Personal Insurance | Other Coverages

Cyber Liability Insurance

Cyber liability insurance can cover costs from cyber-attacks, including loss of business during system compromise. Some policies also provide protection for unintentional copyright breaches.

Risk Management

Risk management covers financial losses from various uncertainties, safeguarding against potential liabilities and disruptions.

Environmental Insurance

Business environmental insurance covers losses and liabilities from environmental risks, including cleanup costs for issues like oil spills, lead, asbestos, and mold.

Workers' Compensation Insurance

Workers’ compensation insurance is a legal requirement that safeguards your business from expensive lawsuits and invests in the safety of your employees

Renters Insurance

Natural disaster insurance covers financial losses from events like earthquakes, floods, and wildfires, helping them recover from property damage and related expenses.

Builders Risk Insurance

Builders risk insurance covers construction damage from events like fire, theft, and vandalism, with the policy based on a percentage of the construction budget and a specified duration.

Oceans Marin Insurance

Marine insurance typically covers cargo, liability, pollution, protection and indemnity, and equipment, making it essential for safeguarding your daily business operations.

Business Interruption Insurance

Business interruption insurance covers operating costs like loan payments, rent, payroll, taxes, and lost revenue during a shutdown due to a covered loss for a specified restoration period.

Captive Insurance Management

Captive insurance involves creating a separate entity to self-insure against unique risks, offering cost control, potential tax advantages, and avoiding claims processing delays and disputes.

Commercial Hurricane Insurance

Commercial hurricane insurance covers businesses for property damage, business interruption, and related expenses caused by hurricanes, especially important for businesses in hurricane-prone areas.

Commercial Bonds

Being bonded is an extra layer of protection, not insurance. Types include bid and contract bonds, needed alongside insurance depending on your business and jurisdiction requirements.

Commercial Umbrella Insurance

Commercial umbrella insurance provides an extra layer of protection beyond standard business insurance. It covers excess costs if you surpass your payout limit, offering added financial security for your business.

Commercial Earthquake Insurance

Flood insurance covers property damage, including structural and content-related expenses, resulting from floods. It is a separate policy, as standard homeowners’ insurance typically excludes flood damage.

Crime Insurance

Commercial crime insurance covers white-collar crimes, including theft and financial fraud, offering businesses protection against unexpected risks.

Commercial Flood Insurance

Commercial flood insurance covers businesses for property damage, inventory loss, and related expenses caused by floods, particularly crucial for businesses in flood-prone areas.

Directors and Officers Liability Insurance

Directors and Officers Liability Insurance (D&O) covers costs arising from poor decisions by business leaders, excluding criminal acts or decisions for personal gain like fraud.

Employment Practice Liability Insurance

Employment Practices Liability Insurance (EPLI) covers businesses for claims related to issues like wrongful termination, discrimination, and harassment, offering financial protection against legal expenses and settlements.

Inland Marine Insurance

Inland Marine Insurance protects goods and equipment during land transportation, covering theft, damage, or loss, including property temporarily stored offsite.

Errors and Omissions Liability Insurance

Errors and Omissions (E&O) Liability Insurance protects businesses from financial losses due to claims of negligence or mistakes in their services or products.

Key person Life Insurance

Key Person Life Insurance financially protects a business in the event of the death of a crucial employee, providing a payout to offset losses or cover expenses related to their absence.

Event Insurance

Event insurance generally covers cancellation, including postponements, and may extend to cover extra costs incurred due to supplier or venue issues. Check the policy for specific covered situations.

Liquor Liability Insurance

Liquor Liability Insurance covers businesses selling or serving alcohol, protecting against legal claims and financial losses arising from alcohol-related incidents on the premises. Essential for the hospitality industry.

Fiduciary Liability Insurance

Fiduciary liability insurance protects against the specific risk of breaching fiduciary duties outlined in the Employee Retirement Security Act of 1974 (ERISA), governing employee benefit schemes.

Probate Bond

Probate Bond ensures the executor fulfills duties faithfully; it compensates beneficiaries for financial losses if obligations are not met, often required by the court during probate.

Surety Bonds

Surety bonds ensure parties fulfill contractual obligations, providing financial protection and risk mitigation in business.

Vacant Building Insurance

Vacant Building Insurance protects businesses from risks like vandalism and theft during periods of property vacancy, ensuring adequate coverage for unoccupied buildings.

Systems Breakdown Insurance

Systems Breakdown Insurance covers businesses for financial losses due to equipment or system failures, including repair or replacement costs and potential income loss during downtime.