Property Insurance

Commercial property insurance covers your business’ physical assets from a covered loss and is important for all types of business owners. This coverage applies to the cost of repairs or replacement of your real or personal property. Additionally, commercial property insurance can provide compensation for lost net income, loss of rents, and/or payroll and expenses related to a shutdown of your operations from a covered loss.

Liability Insurance

Liability policies protect your business from liability claims arising from third parties. Specifically, general liability policies provide coverage for bodily injury or property damage caused by your business, while automobile liability policies will provide coverage for vehicles you own, rent, lease, or borrow for business use.

Management Liability

Whether your business is private, public, or even not-for-profit, management liability policies are a cost-effective way to transfer risk away from your company and protect your balance sheet. Here are some common coverages that can be included in a management liability package:

• Employment Practices Liability
• Director’s and Officer’s
• Fiduciary
• Crime
• Kidnap and Ransom

Professional Liability

Certain professional services require errors and omissions (E&O) coverage, which falls under this category, and many states require certain practices to carry professional liability. In other cases, due to the nature of the work being provided, it might be required by contract. Some common examples would be:

• Medical Providers (Medical Malpractice)
• Attorneys
• Architects
• Consultants
• Home Inspectors
• Technology Professionals

Cyber Liability

Cyber insurance will cover your business’ liability from a data breach involving personal information such as social security numbers, credit card numbers, account numbers, and/or health records. The policy specifically provides coverage for:

• Notifying individuals affected by data breach
• Restoring identities of those individuals
• Recovering compromised data
• Liability from claims surrounding a data breach
• Fines
• Forensics and legal fees

Risk Management

Our team of loss-control experts will create a plan to contain claims, keep you OSHA compliant, calculate and allocate your total cost of risk and ensure your safety policies and procedures are reviewed on a regular basis, saving you time and money.