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Property & Casualty

Business Owners Policy

Typically consists of a combination of two policies, most commonly General Liability and Commercial Property (Building and Contents), Business Income / Interruption, Commercial Auto and Umbrella coverage. This covers losses which may arise from damage or destruction of business property or when your company representatives cause property damage or bodily injury to others.

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Commercial Auto

Coverage for company vehicles (registered to your business) including liability, comprehensive and collision as well as other related coverage options.

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Directors and Officers

  • D&O coverage provides protection to company as well as directly to the directors and officers for claims arising out of alleged wrongful acts and legal judgments while acting in their individual capacity.

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Employment Practices Liability (EPLI)

  • EPLI coverage protects against employee claims of wrongful termination, discrimination and sexual harassment.
  • Fiduciary coverage provides protection from chargs of mishandling investment funds or failing to carry out investment instructions.

Professional Liability (E&O)

Insurance that protects companies and individuals against claims made by their clients for inadequate work or negligent actions, errors or omissions.

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Cyber Liability & Privacy

Responds to claims arising out of private information accidentally or wrongfully being released to others. This may result from a breach in your network due to a hacker or may be as simple as someone forgetting to shred a document before throwing it in the trash. Each set of lost information could result in an expense of at least $204 for notification, credit monitoring and restoration. It’s not just for those that have web pages collecting information. You could have employee social security numbers in your company server and paper files as well as sensitive client information as well.

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View the cyber security liability highlights and the cyber liablity claim scenarios

Special Events

Event or Special Event Insurance: A Special Event is usually defined as a function of short duration or a function that is not permanently ongoing. Perhaps it would be for a day or a month, but the key is that the function location is not permanent and the period of time it will happen is not indefinite.

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Youth Sports Organizations

This product has been specifically designed for youth sports organizations with athletic participants up to the age of 18 offering common sports, including but not limited to baseball, basketball, football, soccer, softball, swimming, tennis and golf. We are able to provide General Liability, Property, Abuse & Molestation, Assault & Battery, Hired & Non-Owned Auto, Crime, Inland Marine, Directors & Officers / Employment Practices Liability and Special Events coverage all on one policy!

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