General Liability
General liability protects you from claims including injury, property damage, personal and advertising injury and others that can arise from your business operations.
General liability protects you from claims including injury, property damage, personal and advertising injury and others that can arise from your business operations.
A customer’s medical expenses if they slip and fall in your business
Repair costs if your employee accidently caused damage while working at the customer’s home
Legal costs to defend your business in a lawsuit
Judgements and settlements from a customer or client’s lawsuit
Commercial property insurance covers your building and your business personal property, including:
• Computers
• Furniture and equipment
• Exterior signs
• Fence and landscaping
• Important documents
• Inventory
• Others’ property
Business or commercial auto insurance provides a variety of coverages for vehicles used by your business.
Physical damage insurance includes collision and comprehensive coverage.
Liability insurance includes bodily injury, property damage, uninsured motorist and underinsured motorist coverage.
Hired and non-owned auto covers accidents involving vehicles that your business uses for work purposes but doesn’t own.
Other coverages including towing, rental reimbursement, glass repair/replacement.
Physical damage insurance includes collision and comprehensive coverage.
Liability insurance includes bodily injury, property damage, uninsured motorist and underinsured motorist coverage.
Hired and non-owned auto covers accidents involving vehicles that your business uses for work purposes but doesn’t own.
Other coverages including towing, rental reimbursement, glass repair/replacement.
Workers compensation insurance provides your employees income and medical coverage if they are involved in a work-related injury or illness. The business owner is also protected with employer’s liability. If your injured employee or their family sues your business, it provides coverage for your legal costs. These benefits provide coverage to help:
• Cover their medical care
• Replace most of their lost wages while recovering
• Pay for funeral expense
Cyber Liability protects your business from risks that come from using technology. This can include targeted attacks, such as malware and phishing, as well as the misplaced laptop containing confidential material. If your business computer system is breached by an attack, you may be responsible for the notification costs to inform the affected parties and provide credit monitoring.
Network security
A commercial crime policy typically provides several different types of crime coverage, such as:
• Employee dishonesty
• Forgery or alteration
• Funds transfer fraud
• Money and securities
• Counterfeit money
A commercial umbrella policy offers an extra layer of liability protection for your business. The umbrella provides additional coverage if your business’s auto liability, general liability or other liability coverage limits are exhausted from a claim.
Employment practices liability, also known as EPL, is coverage for wrongful acts arising from the employment process. EPL insurance responds with defense costs and damages related to employment-related claims made by employees alleging:
• Discrimination
• Wrongful termination
• Harassment and retaliation
• Many other employment-related issues
A business owners policy combines protection from all major property and liability risks in one package for certain small and mid-sized businesses. Businesses can tailor their BOP to meet their unique needs by adding optional coverages such as:
Data Breach
Business income for off-premises utility services
Other specialized coverages
Errors and omission liability, also known as E & O or professional liability, protects your business from claims for negligent acts or mistakes committed during business or professional activities that result in a financial loss. E&O insurance policies cover claims for:
• Negligence
• Errors in services given
• Omissions
• Misrepresentation
• Violation of good faith and fair dealing
• Inaccurate advice
Directors and officer’s liability, also known as D&O, provides coverage for directors and officers for claims made against them while serving on a board of directors and/or as an officer. It protects them against legal expenses if they are sued for a decision they made that led to a financial loss including: