Commercial Umbrella

General Liability

Coverage is designed to cover the bodily injury and property damage liability exposures related to operating a commercial venture.

Pollution

This type of coverage provides industrial, commercial and agricultural property owners, managers, contractors and developers with a broad range of pollution liability protection for gradual, as well as sudden and accidental, first-party and third-party environmental conditions.

Volunteer Coverage

Non-for-profit businesses, schools and social service agencies often utilize volunteers to assist them in providing services to the public. Volunteers can save a business millions of dollars in payroll and provide a much needed source of manpower for these agencies.

Property

Property insurance is a policy that provides financial reimbursement to the owner, tenant or lessee  of a  any owned structure or business property that is owned, leased  or in their care, custody and control.

Professional Liability

Protects professionals for the advice they give and the service they provide from bearing the full cost of defending against a negligence claim made by a client or third party.

Workers Compensation

Workers’ compensation provides benefits to employees due to work-related injuries or illnesses including medical care, wages from lost work time, and more. It is important to provide accurate job classification(s) and payroll.

Commercial Auto

The Commercial Automobile policy provides coverage for company owned, leased, borrowed or hired vehicles used in the course of the business activities.

Garage Keepers

Garage Keepers Liability coverage is insurance specifically for business owners who offer towing services, operate service stations, valet parking or have services that require them to operate an automobile that is in their care, custody or control.

Commercial Umbrella

A policy designed to provide protection against catastrophic losses. It generally is written over various primary liability policies, such as the business auto policy (BAP), commercial general liability (CGL) policy, watercraft and aircraft liability policies, and employers’ liability coverage.

Directors & Officers Liability

Directors and Officers Liability Insurance (often called D&O) is liability insurance payable to the directors and officers of a company, or to the organization(s) itself.

Fiduciary Liability

Fiduciary Liability Insurance pays, on behalf of the insured, the legal liability arising from claims for alleged failure to prudently act within the meaning of the Pension Reform Act of 1974.

Employment Practice Liability

ERISA Bond

ERISA requires that plan officials who manage, oversee, recommend or handle funds or other property of an employee benefit plan must be covered by a personal fidelity bond, according to the U.S. Department of Labor.

Crime

Crime insurance is a broad term that is applied to insurance coverage that protects a business from damages or a loss of property due to a crime.

Cyber Liability

Cyber Liability Is designed to cover consumers of technology services or products. More specifically, the policies are intended to cover a variety of both liability and property losses that may result when a business engages in various electronic activities, such as selling on the Internet or collecting data within its internal electronic network.

Inland Marine

Inland marine insurance is an insurance instrument which is designed to protect property while in transit along with high-value mobile items like silverware, fine arts, mobile equipment and tools.

Builder Risk

Builder’s risk insurance is a special type of Business Insurance for buildings under construction or renovations.

Bond

Commercial Surety Bonds and Contract Surety Bonds that guarantee performance of obligations assumed by a Contractor for performance of their agreed contract such as completion dates, quality standards and cost control.

Amateurs Sports / Health & Fitness

Sports insurance is not just for professional athletes. It is a type of insurance policy that can be taken out by individuals who participate in amateur sporting events, by parents of children who play on sports teams, clubs or fraternal organization, who offer sports activities.