Commercial Property Insurance - Covers risk of loss to an organization’s buildings or personal property. Usually includes buildings, personal property of the insured, personal property of others on site and in insured’s possession.
Directors & Officers Liability - This coverage provides financial protection for the directors and officers of your company if they are sued in conjunction with the perfomance of their company duties. It does not cover the company itself, but the directors and officers' personal assests.
Employee Benefits - Provides Group Health, Life, and/or Disability insurance for your employees as a part of their benefits' package.
Employment Practices Liability - This insurance provides protection for your business against allegations of sexual harassment, discrimination, failure to promote, wrongful termination, and other employment related issues.
Fidelity or Dishonesty Bond - This insurance provides coverage when an employee steals money, equipment or other assets from you or one of your customers. First Party Fidelity covers your property and Third Party Fidelity covers your customers' property.
General Liability - This is the most basic commerical insurance and protects your business against claims of bodily injury or property damage. It covers accidents on your premises or at customers' locations.
Non-Owned & Hired Auto Coverage - Typically added onto General Liability, Non-Owned Auto protects your company if it is sued as a result of an automobile accident that you or your employees has in a personal vehicle while on company business. Hired Auto replaces or augments the liability coverage offered by auto rental agencies.
Professional Liability (E&O) - Protects you against loss from a claim of alleged negligent acts, errors or omissions in the performance of your professional services.
Umbrella Liability (Excess Liability) - This insurance provides additional coverage when the limits of the underlying policy are exceeded. Umbrella Liability policies add coverage to General Liability, Hired & Non-Owned Auto Liability, and Employment Practices Liability.
Workers' Compensation - Covers expenses an employer is mandated to pay by state statute to cover specific benefits for employee injuries.
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