Business Insurance

Insures against damage to buildings and contents due to a covered cause of loss, such as a fire. The policy may also cover loss of income or an increase in expenses that results from property damage.

Protects against liability claims for bodily injury and property damage arising out of premises, operations, products, and completed operations. Also, can provide protection against claims of libel, slander, copyright infringement, invasion of privacy, or false claims in company’s advertising communications.

Covers a company’s use of cars, trucks, vans and other vehicles used to carry out business. Coverage may include vehicles owned or leased by the company, hired by the company, or employee-owned vehicles used for business purposes.

Provides wage replacement and medical benefits when employees are injured or killed while working.

Also referred to as “excess liability,” provides coverage when a liability claim goes above the maximum aggregate limit and after a basic policy’s limits are exhausted, and protects your business from being held responsible for payment in a judgment.

Also commonly known as “Errors & Omissions,” protects individuals and businesses that offer professional advice from bearing the full cost of defending against a negligence claim and from paying damages awarded in such a civil lawsuit.

Guards ccompanies and their workers or individuals from claims made by clients for inadequate work or negligent actions. These policies often cover both court costs and any settlements up to the amount specified by the insurance contract.

Anyone who serves as a director or an officer of a for-profit business or non-profit organization may be at risk of a personal claim due to that position. This type of policy defends these individuals against personal losses. It can also help reimburse the business or nonprofit organization for the legal fees or other costs it may incur in defending those individuals against a lawsuit.

Ensures protection from losses resulting from business-related crime. Protection can cover merchandise, money or other property loss when a company is victimized by embezzlement, forgery, robbery, securities theft or another form of business-related crime.

Also known as “financial guaranty insurance,” it guarantees scheduled payments of interest and principal on a bond or other security in the event of a payment default by the issuer of the bond or security.

First- and third-party coverage minimizes legal fees and costs related to computer-forensic investigations in the event of a security or privacy breach, loss of digital assets, cyber-extortion or cyber-terrorism.