Also known as business liability insurance, this coverage can protect you from a variety of claims including bodily injury, property damage, personal injury as well as others that can arise from your business operations.

This type of business insurance provides coverage for professionals and businesses to protect against claims of negligence from clients or customers. Professional liability insurance typically covers negligence, copyright infringement, personal injury, and more.

This business insurance provides commercial auto coverage for your business vehicles and/or fleet. Some coverages available are:

• Combined single limit liability or split limit liability (e.g. 100K or 100/300/100K): Protects your business if you are liable for an accident.
• Medical payment coverage: Pays up to your coverage amounts to help pay for medical expenses incurred due to an at-fault or non at-fault accident.
• Comprehensive: Covers damages to your vehicle that are not related to a collision such as theft, vandalism, glass breakage, fire, etc.
• Collision: Covers damages to your vehicle if you are involved in a collision with another vehicle or object.
• Uninsured Motorist: Pays for your medical bills, pain & suffering, and loss of wages if you are in an accident with someone that is uninsured or underinsured.
• Emergency Roadside Service (when applicable to the company). Pays for services or reimbursement for towing and labor (if the company provides coverage)
• Rental Reimbursement (when applicable to the company): Pays for a rental vehicle up to the specified limit you select (if the company provides coverage)

“Hired auto” refers to any vehicle you lease, hire, borrow or rent on behalf of the company. Non-Owned Automobile Liability coverage applies in cases when employees drive their own vehicles for business on behalf of their employer. Non-Owned Automobile Liability refers to autos the business does not own, lease or hire.

This is insurance coverage that covers your company’s physical property, such as:

• • Building coverage
  • Business personal property
  • Outdoor signage
  • Glass coverage
  • Business income

This extra layer of liability protection by covering costs that go beyond your other liability coverage limits. In other words, commercial umbrella insurance complements your other liability coverages by taking over when your other liability coverage limits have been exhausted.

Employment Practices Liability insurance includes coverage for defense costs and damages related to various employment-related claims including allegations of wrongful termination, discrimination, workplace harassment and retaliation. If you have employees in your business, this coverage is a must.

Directors and Officers liability insurance is insurance coverage intended to protect individuals from personal losses if they are sued as a result of serving as a director or an officer of a business or other type of organization. It can also cover the legal fees and other costs the organization may incur as a result of defending the organization against a lawsuit.

This coverage is an insurance policy that provides businesses with a combination of coverage options to help protect the company from data breaches and other cyber security issues. It’s not a question of if your organization will suffer a breach, but when.

This is a form of risk management that protects a business from the loss of property, money, or merchandise business-related crimes may cause.

This coverage protects your business property when it is in transit or stored at a site other than your primary business location. Many inland marine coverage forms provide coverage without regard to the location of the covered property; these are sometimes called “floater” policies.

These lines of coverage provide medical and wage benefits to employees who are injured or become ill at work. This coverage is mandated by each state and the wage and medical benefits vary by state.

A contract between three parties—the principal (you), the surety (us) and the obligee (the entity requiring the bond)—in which the surety financially guarantees to an obligee that the principal will act in accordance with the terms established by the bond. Some examples are:

• Bid Bonds
• Notary Bonds
• Fidelity Bonds
• License and Permit Bonds