General Liability

Protects the assests of a business in case of a lawsuit related to injury or property damage.

Business Owners Policy (BOP)

Combines general liability and business property coverage into a single policy.

Commercial Auto

Provides coverage for business-use vehicles. Can range from one car to an entire fleet.

Workers Compensation

Protects employers from lawsuits resulting from workplace accidents. Also provides medical care and lost income compensation to employee injured on the job.

Commercial Liability Umbrella

Commercial Umbrella (excess) liability insurance is an important source of protection that supplements the limits of an insured's underlying policies such as general liability, commercial auto liability, and employers liability. Commercial umbrella policies also protect insureds from exclusions and gaps that exist in their primary liability insurance.

Bonds

Two major types:

• Surety - Guarantees compliance with local laws and fulfillment of contractual obligations.
• Fideltiy - Protects business for losses related to fraudulent employee acts.

Directors & Officers Liability

Provides financial protection for directors and officers in case of a lawsuit related to the performance of their duties as they relate to the company.

Errors & Omissions

Provides protection in the event that an error or omission by the business or its emplyees has caused a financial loss for a client.

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