“We can help you determine the best mix of coverage, value, and price that will meet your specific needs.”
Liability Insurance for Your Business
General Liability
General liability is a broad commercial policy that covers general liability exposures of a business. Coverage typically includes product liability, completed operations, premises and operations, and personal and advertising injury. We recommend that all businesses operating have general liability coverage in place.
Business Owners Policy (BOP)
BOP is a business insurance policy that combines property, liability, and business interruption coverages for small to medium-sized businesses. This packaged set of coverages is generally less expensive than if each coverage was purchased separately. A BOP is typically available to businesses and industries that are viewed as having relatively low liability exposures.
Workers Comp & Employers Liability
This coverage pays for medical care and physical rehabilitation of employees injured at work and helps replace lost wages while employees are unable to work. Additionally, in most cases this coverage protects an employer from being sued by an injured worker. A commonly overlooked exposure for companies that employ mostly office workers is the potential injury to employees while driving their own vehicles on company business. This could be as simple as an employee driving to a sales call, the bank, or the office supply store. If you have employees, it is critical that you consider this important coverage.
Professional Liability Errors and Omissions (E&O)
E&O covers professionals for negligence and errors or omissions that injure their clients. In addition to licensed professionals such as accountants, attorneys, insurance agents, architects, and engineers, technology companies frequently have a professional liability exposure. This typically arises from the fact that the general liability policy excludes damage to data. Technology E&O can protect your company in the event that your negligence, error, or omission causes damage to a third party's data.
Umbrella
This business insurance policy provides coverage for losses above the limit of an underlying policy or policies such as general liability, employers liability, and automobile liability.
Employment Practices Liability Insurance (EPLI)
EPLI for employers covers employment-related liabilities other than on-the-job injuries. EPLI covers legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees' legal rights.
Directors and Officers Liability (D&O)
D&O covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There are a variety of D&O coverages. Corporate reimbursement coverage indemnifies directors and officers of the organization. Side-A coverage provides D&O coverage for personal liability when directors and officers are not indemnified by the firm. Entity coverage, for claims made specifically against the company, is also available. D&O policies may be broadened to include coverage for employment practices liability.
Commercial Auto Liability
This business insurance policy provides for bodily injury liability and property damage, as well as for injuries/damage the policyholder causes to someone else when operating a company automobile. Medical payments or Personal Injury Protection (PIP) for treatment of injuries to the driver and passengers of the policyholder's car are also covered.
Hired/Non-owned Auto Liability
This provides a business with business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired) or a non-owned vehicle (employee using their own vehicle on company business). This can often be inexpensively added to the commercial auto policy or in some cases a general liability policy.
General Liability
General liability is a broad commercial policy that covers general liability exposures of a business. Coverage typically includes product liability, completed operations, premises and operations, and personal and advertising injury. We recommend that all businesses operating have general liability coverage in place.
Business Owners Policy (BOP)
BOP is a business insurance policy that combines property, liability, and business interruption coverages for small to medium-sized businesses. This packaged set of coverages is generally less expensive than if each coverage was purchased separately. A BOP is typically available to businesses and industries that are viewed as having relatively low liability exposures.
Workers Comp & Employers Liability
This coverage pays for medical care and physical rehabilitation of employees injured at work and helps replace lost wages while employees are unable to work. Additionally, in most cases this coverage protects an employer from being sued by an injured worker. A commonly overlooked exposure for companies that employ mostly office workers is the potential injury to employees while driving their own vehicles on company business. This could be as simple as an employee driving to a sales call, the bank, or the office supply store. If you have employees, it is critical that you consider this important coverage.
Professional Liability Errors and Omissions (E&O)
E&O covers professionals for negligence and errors or omissions that injure their clients. In addition to licensed professionals such as accountants, attorneys, insurance agents, architects, and engineers, technology companies frequently have a professional liability exposure. This typically arises from the fact that the general liability policy excludes damage to data. Technology E&O can protect your company in the event that your negligence, error, or omission causes damage to a third party's data.
Umbrella
This business insurance policy provides coverage for losses above the limit of an underlying policy or policies such as general liability, employers liability, and automobile liability.
Employment Practices Liability Insurance (EPLI)
EPLI for employers covers employment-related liabilities other than on-the-job injuries. EPLI covers legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees' legal rights.
Directors and Officers Liability (D&O)
D&O covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There are a variety of D&O coverages. Corporate reimbursement coverage indemnifies directors and officers of the organization. Side-A coverage provides D&O coverage for personal liability when directors and officers are not indemnified by the firm. Entity coverage, for claims made specifically against the company, is also available. D&O policies may be broadened to include coverage for employment practices liability.
Commercial Auto Liability
This business insurance policy provides for bodily injury liability and property damage, as well as for injuries/damage the policyholder causes to someone else when operating a company automobile. Medical payments or Personal Injury Protection (PIP) for treatment of injuries to the driver and passengers of the policyholder's car are also covered.
Hired/Non-owned Auto Liability
This provides a business with business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired) or a non-owned vehicle (employee using their own vehicle on company business). This can often be inexpensively added to the commercial auto policy or in some cases a general liability policy.