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Airport Liability
Provides coverage to owners and operators of an airport in the event that a person or property is damaged while on the airport premises.
Aircraft Hull & Liability
Aircraft liability coverage typically covers bodily injuries to passengers and third parties and property damage to third parties.
Aircraft hull insurance covers physical damage to the aircraft.
Aircraft hull insurance covers physical damage to the aircraft.
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Bonds
A surety bond is an agreement among three separate parties.
The major types of Bonds include:
License and Permit Bonds
Contract Bonds
Court Bonds
Fidelity Bonds
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Business Auto
Provides coverage for vehicles owned by, registered to, and used for business purposes. May include both liability and physical damage (comprehensive and collision) coverages.
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Cyber Liability
Cyber liability insurance protects businesses from the high costs of a data breach or malicious software attack.
First Party Coverages include:
Business Interruption
Data Restoration
Cyber Extortion Payments
Crisis Management Expenses
Notification Expenses
Credit Monitoring Expenses
Forensic Costs
Social Engineering/Funds Transfer Fraud
Third Party Coverages include:
Network Security Liability
Privacy Liability
Regulatory Actions
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Commercial Earthquake and Flood
Earthquake and Flood are excluded from coverage on most property policies. Both earthquake and flood can be purchased separately.
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Cyber Crime
Cyber Crime policies cover the direct loss of your funds, whether through malfeasance, employee dishonesty or social engineering. Cyber crime includes theft, fraud, misdirection of communication, identity theft, intellectual property theft, corporate espionage, system sabotage, data destruction, money laundering, and terrorism.
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Crime & Fiduciary
Crime and Fiduciary Insurance protects the actual money the business organization has in the operating account and reserve accounts. Crime and Fiduciary Insurance protects the Insured's money from embezzlement, check fraud, computer fraud, and wire fraud, among other criminal activities.
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Media Liability
Media Liability is a type of errors and omissions (E&O) liability insurance designed for publishers, broadcasters, and other media-related firms. Provides coverage against defamation, invasion of privacy, copyright or trademark infringement, plagiarism, intentional torts and related liabilities. Coverage is for third-party liability claims. This covers both electronic and non-electronic media material.
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Dealers Open Lot
Directors & Officers Liability
Employment Related Practices
Physical damage coverage for anything from autos, trucks, and even jet skis and recreational vehicles being held in a dealer's inventory for resale.
A type of liability insurance covering Directors and Officers for claims made against them while serving on a board of directors and/or as an officer. Coverage can be written to cover the directors and officers of for-profit businesses, privately held firms, not-for-profit organizations, and educational institutions. In effect, the policies function as "management errors and omissions liability insurance," covering claims resulting from managerial decisions that have adverse financial consequences.
Type of liability insurance covering wrongful acts arising from the employment process. The most frequent types of claims covered under such policies include wrongful termination, discrimination, sexual harassment, retaliation, and wage & hour defense. These policies cover claims from a variety of other types of inappropriate workplace conduct.
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Errors & Omissions and Professional Liability
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Garage Liability & Garagekeepers
Helps protect you from lawsuits claiming you made a mistake in your professional services. This insurance helps cover your court costs and settlements as well as defense costs. It covers business mistakes or undelivered services that cause financial harm to a customer. Medical Malpractice is considered a professional liability coverage.
Excess & Umbrella Liability
Excess liability insurance provides additional coverage for one of your liability insurance policies, typically your general liability. It activates when that policy limit is exhausted.
Commercial umbrella insurance provides additional coverage for several of your liability insurance policies. It kicks in when any of the underlying policies limits are exhausted.
Both commercial umbrella insurance and excess liability insurance will likely have the same coverage terms, conditions, and exclusions as the underlying policy. They both provide coverage when the underlying policy limits are exhausted.
Garage Liability covers the legal liability of franchised and non-franchised automobile, truck, truck-tractor, motorcycle, recreational vehicle, and trailer dealers for claims of bodily injury (BI) and property damage (PD) arising out of business operations. It deals with both garage operations involving the ownership, maintenance, or use of autos as well as all other garage operations.
Garagekeepers provides protection in case a vehicle is damaged by fire, theft, vandalism or collision while in your care, custody, control. It protects a customer's vehicle when you are keeping it at a covered location for parking, storage, or to perform service on the vehicle.
Garagekeepers provides protection in case a vehicle is damaged by fire, theft, vandalism or collision while in your care, custody, control. It protects a customer's vehicle when you are keeping it at a covered location for parking, storage, or to perform service on the vehicle.
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General Liability including Products Liability
Ocean Marine &
Inland Marine
Pollution
(Environmental Insurance)
General Liability protects against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations; and advertising and personal injury liability.
Products Liability refers to the liability of any or all parties along the chain of manufacturing of any product for damage or injury caused by that product. This includes, but not limited to, the manufacturing, assembly, distribution, and sale (wholesale and retail) of the product.
Products Liability refers to the liability of any or all parties along the chain of manufacturing of any product for damage or injury caused by that product. This includes, but not limited to, the manufacturing, assembly, distribution, and sale (wholesale and retail) of the product.
Ocean marine covers goods moving internationally, whether you're shipping via land, ocean or air, and is primarily aimed at companies that are involved in international commerce.
Inland marine insurance is mostly aimed at domestic commerce, providing coverage for your cargo when it's in transit over land.
Equipment Floaters cover equipment that is often moved from place to place.
Inland marine insurance is mostly aimed at domestic commerce, providing coverage for your cargo when it's in transit over land.
Equipment Floaters cover equipment that is often moved from place to place.
Pollution coverage is designed to cover claims arising from pollution released at, on, or emanating from a specific scheduled location. Typically pollution is excluded from coverage in general liability and property insurance policies. The losses or damages covered by environmental insurance usually arise in the form of claims against insureds for bodily injury, property damage, site cleanup costs, contamination of soil, and business interruption.
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Property
Workers Compensation
Insurance for businesses and other organizations that insures against damage to their buildings and contents due to a covered cause of loss (for example fire). The policy may also cover loss of income or increase in expenses that results from the property damage (PD).
Provides medical expenses, lost wages, and rehabilitation costs to employees who are injured or become ill “in the course and scope” of their job. This is not health insurance – it must be a work related injury or illness. It also pays death benefits to families of employees who are killed on the job
Employer’s liability is included in workers compensation insurance and protects your business when an employee sues you over a work injury or illness.
Employer’s liability is included in workers compensation insurance and protects your business when an employee sues you over a work injury or illness.