Commercial Insurance

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Property Insurance

Coverage for real and personal property.  This would typically include exposures such as building structures, leasehold improvements, inventory, equipment, raw materials, finished goods, and computer equipment among other things.

Business Interruption Insurance

Coverage for lost profits, continuing expenses, and extra expenses that would have been affected by an interruption in your business due to a covered event.

Crime Insurance

Coverage for employee theft of company property or money.  This policy can also include coverage for hold-ups, burglary and robbery, computer fund transfers, computer fraud, employee dishonesty and depositors forgery perpetrated by someone other than the employee.

General Liability Insurance

Coverage for lawsuits that are brought against the insured that allege bodily injury, personal injury or property damage arising from a premises, operation, product, or completed operation.

Professional Liability Insurance

Coverage for lawsuits that are brought against the insured that allege a professional error or omission in the course of providing a professional service.  Unlike general liability, professional liability does not always result in bodily injury or property damage.

Workers’ Compensation Insurance

Coverage for an employer’s statutory obligation to pay for an employee for work-related injuries. Policies can  also include coverage for employer’s liability.

Directors & Officers Insurance

Coverage for the personal liability of directors and officers of a company associated with lawsuits that are brought against them alleging imprudent acts or mismanagement in the scope of their corporate duties

Automobile Insurance

Coverage for bodily injury or property damage liability arising out of the use of a vehicle.  Policies can include coverage for physical damage to certain insured vehicles subject to a comprehensive and collision deductible. Consideration should also be given to uninsured or underinsured motorist coverage, rental reimbursement coverage, rental car coverage, among other things.

Umbrella

A policy that provides additional coverage to an existing policy. This excess policy is typically broader in its coverage terms.

Employment Practices Liability

Coverage for lawsuits brought against the business or its manager alleging  wrongful employment practices such as harassment, retaliation, discrimination, or wrongful discharge.

Bonds

Coverage which provides a financial resource to ensure the performance or fidelity of someone else.

Fiduciary Liability Insurance

Coverage for the personal liability of individuals who exercise discretion over employee benefit plans subject to the federal ERISA law.

Health Insurance

Coverage for the medical expenses associated with illness or injury.

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