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Coverages

A Wide Range of Coverage Options For Your Unique Business

We offer a broad range of coverages options that are tailored to meet the needs of each client we serve. To help you understand the types of coverage we offer, we’ve prepared a short cheat sheet for you. If you have questions about any of these coverage options, we invite you to get in touch with our experts. We’re ready to answer any questions you have and help you find the coverages you need.

Coverage TypeWhat this Coverage is for
Commercial General LiabilityThis is the foundation of any business’s coverage. It ensures you’re covered against the most common types of risks that businesses face. This policy can cover you for any injuries that may occur at your business, property damage, personal injury, medical payments and more.
Professional LiabilityIf your business involves giving guidance or advice to your customers or patients, you’ll want professional liability insurance. This covers you against potential errors, omissions, clerical mistakes and more that may occur at your business.
Excess LiabilityIf you want to add additional coverage to your existing liability insurance, we can provide Excess Liability coverage. Excess Liability covers the same items as your underlying Liability policy and is in place to cover the remaining costs if a claim exceeds the limits of the primary policy.
PropertyThis is another foundational policy for every business owner. This coverage protects your business’s property and contents from damages caused by fire, burst pipes, storms, vandalism, and more.
Business AutoProtect the vehicles used by your company and your employees. These policies can be customized to match your business’s needs, and offer coverage for liability, damage, motorists without insurance, and more. Hired and Non-Owned Auto coverage is also available to cover employees using personal or rented vehicles for work purposes.
Workers’ CompensationProtect your employees and your business with this essential coverage. Workers’ Compensation coverage ensures you’re protected if your employees need to miss work as a result of a work-related injury and helps to pay any medical costs that result from an injury in the workplace.
Directors and OfficersThis coverage is designed to protect high-level employees at your business. Directors and Officers (D&O) coverage is a type of liability insurance geared toward covering high-level employees if they face a lawsuit.
Employment Practices LiabilityThis type of coverage is designed to protect your business from claims filed against your organization based on its employment practices. It covers against claims made by employees involving sexual harassment, wrongful termination, and allegations of various forms of discrimination.
Cyber LiabilityProtect your business against liabilities caused by the internet or your company’s IT practices. This specialty coverage can help cover losses caused by data breaches, cyberattacks and cyber fraud. Coverage can be tailored to meet the specific needs of your business.
Surety BondsSome industries and government agencies require bonding in order for you to meet compliance standards in your business. Surety Bonds act as a contract and financial guarantee between your business, the surety company, and the entity requiring the bond to ensure the specific terms of the bond are met.