Policies designed to provide coverage for defense costs and damages due to claims of damage or injury arising out of the negligent performance of services (errors and omissions), the breach of the ‘standard of care’.
Commercial Insurance
Commercial Package/Business Owners Coverage
Commercial Package Policies and Business Owners policies are Insurance policies that combine protection from all major property and liability risks in one package.
Workers Compensation
Required in most states to pay benefits to workers injured on the job. It protects the employees from incurring medical debt or loss of wages due to an on the job injury.
Cyber Liability Coverage
EVERY company is at RISK! Hackers gain access to your system through compromised wifi networks or lost/stolen laptops and cell phones. Once they have access they hold your data hostage until a ransom is paid.
Commercial Auto
Commercial Auto insurance protects the business use of cars, vans, trucks, and trailers. The policy covers personal injury, damage to vehicles and property and protection from liability.
Commercial Umbrella
This is an insurance policy that is in excess of specified other policies. When the policy limits of the underlying policy have been met that is when the umbrella policy takes over.
Bonds
Insurance whereby an insurance company guarantees scheduled payments of interest and principal on a bond or other security in the event of a payment default by the issuer.
Directors and Officers Coverage
Commercial insurance helps protect your firm’s assets and the assets of its directors and officers.
Employment Practices Liability
Coverage is designed to protect your firm, subsidiaries, directors and officers, natural person partners and trustees from the defense costs and damages for employment-related claims.
Commercial Inland Marine/Equipment Floaters
‘Inland’ Marine insurance is the counterpart to ‘Ocean’ Marine insurance, goods traveling over land as opposed to water. It is strictly ‘property’ insurance, with normally broader causes of loss.
International Coverage
Businesses and the economy have become much more global and it is important for firms working overseas that they have protection internationally.
Surplus Lines
Surplus lines are non-admitted insurers that will accept risks that licensed insurers will not. They are not required by the States to get approval for the policy forms or their premiums.
Crime/Fiduciary Coverage
Crime insurance is also known as “fidelity” insurance is commonly overlooked, leaving companies vulnerable to potential losses.