Our Services
Coverage: Bodily injury, property damage, personal/advertising injury (e.g., slander, false advertising).
Why Needed: Protects against claims if customers or others are injured or their property damaged due to your business operations.
Coverage: Physical assets—buildings, equipment, inventory—from fire, theft, vandalism, some natural disasters.
Why Needed: Ensures business continuity by covering costs to repair/replace damaged or lost property.
Coverage: Claims of injury/damage caused by a product you manufacture, distribute, or sell.
Why Needed: Shields manufacturers/retailers from lawsuits due to defective, harmful, or unsafe products.
Coverage: Lost income and operating expenses when business can’t operate due to a covered peril (e.g., fire).
Why Needed: Keeps cash flow intact during shutdowns, covering payroll, rent, and more while rebuilding.
Coverage: Medical bills, wages, rehab if an employee is injured on the job; death benefits if fatal.
Why Needed: Mandated in most states; protects employees and shields employers from injury lawsuits.
Coverage: Vehicles used for business—liability, collision, comprehensive, medical payments, uninsured motorists.
Why Needed: Covers accidents, damage, and injuries related to business vehicle usage.
Coverage: Repair or replacement of machinery and equipment (e.g., HVAC, boilers) that fail mechanically or electrically.
Why Needed: Prevents high unexpected costs and downtime from sudden equipment failures.
Coverage: Transportable property—goods in transit, specialized or contractor equipment, fine art.
Why Needed: Covers losses during transportation or storage away from base, beyond standard property coverage.
Coverage: Data breach response, cyber extortion, notification costs, legal defense, business interruption from cyber threats.
Why Needed: Protects against growing cyberattack risks and compliance/regulatory penalties.
Coverage: Costs of recalling defective or dangerous products—including notification, destruction, disposal, and logistics.
Why Needed: Helps avoid massive financial burden when products cause harm and need withdrawal from the market.
Coverage: Adds extra liability limits atop underlying general liability, auto, or policy limits.
Why Needed: Offers additional financial protection when claims exceed base policy limits.
Coverage: Claims from employees for wrongful acts like discrimination, harassment, wrongful termination, breach of contract.
Why Needed: Covers defense costs and settlements in employment-related lawsuits and administrative complaints
Coverage: Loss or damage to goods while being shipped domestically or internationally.
Why Needed: Essential for businesses shipping goods to protect against transit risks outside their control.
Coverage: Physical damage resulting from flooding (typically not covered under standard property policies).
Why Needed: Critical in flood-prone areas to recover from flood-related losses.
Coverage: Damage from earthquakes and sometimes secondary events like landslides.
Why Needed: In seismic zones, this fills gaps left by standard policies that don’t cover earthquake damage.
Coverage: Employee theft, fraud, forgery, burglaries, robbery, computer fraud.
Why Needed: Protects business assets and finances from internal and external criminal acts.
Coverage: Combines general liability and commercial property insurance; often includes business interruption.
Why Needed: Affordable, convenient package for small to mid-size businesses looking for broad baseline coverage.
Coverage: Financial guarantees—surety bonds, performance bonds, license & permit bonds, contract completion.
Why Needed: Often required by government and project clients to guarantee obligations will be met.
Coverage: Mistakes or omissions in professional services (e.g., consultants, accountants, architects, lawyers).
Why Needed: Covers defense and settlement costs if clients allege negligence or failure to deliver promised services.
Coverage: Liability for employer negligence if workers’ compensation doesn’t apply (e.g., third-party claims, aggravation of injuries).
Why Needed: Fills gaps not covered under workers’ comp, especially second-party claims.
Coverage: Claims against company leadership (board members/executives) for wrongful acts in managing the company.
Why Needed: Protects personal assets of D&O accused of decisions or actions (e.g., mismanagement, fiduciary breaches).
Coverage: Customized bundle—property, liability, auto, crime, equipment breakdown, etc.—tailored to the business.
Why Needed: Flexible, industry-specific coverage combining multiple policies into one.
Coverage: Covers lost profits and operating expenses due to a covered suspension of business activity.
Why Needed: Ensures financial stability during shutdowns caused by insurable risks (fire, storm, etc.). Sometimes part of BOP.
Coverage: Protects employees traveling for business—trip cancellation/interruption, medical evacuation, baggage loss, liability.
Why Needed: Mitigates travel risks and costs that arise from business trips overseas or across states.
Coverage: Claims related to mismanagement of employee benefit plans—ERISA violations, breach of fiduciary duty.
Why Needed: Protects employers/trustees from lawsuits over retirement, pension, or health plan administration errors.