Protects against legal expenses brought on by intoxicated patron who leave your premises and bring on a lawsuit from over consumption at your business.
Scenarios
Covers
Doesn't Cover
Replace & restore important financial documents damaged from a covered loss. Must have paper trail to justify your numbers.
Personal financial protection for your company's directors and officers from actual or alleged covered acts of wrongdoing while serving on the board and or as an officer.
Scenarios
Covers Exposures to the following:
Doesn't Cover
Coverage protects students, teachers and supervisors when they are involved in a covered accident that occurs on school grounds or during supervised school activities.
Covers
Covers personal property installed, fabricated or erected by a contractor.
It covers the property until the installation work is accepted by the purchaser or when the insured’s interest in the property installed ceases.
Provides coverage for loss or damages resulting from unexpected releases of pollutants that can lead to a potentially catastrophic environmental issue.
Covers losses or damages for:
** Depending on the policy it could provide coverage for risks connected to historic contamination or operational issues such as lead paint, mold, asbestos, Legionella or indoor poor air quality.
Helps protect buildings under construction.
Helps protect construction projects from damage due to:
Covers buildings and structures under construction and protects:
Doesn't Cover:
Can Be Added:
Proof of financial ability to complete project, often requested by the city.
Protects from professional negligence.
Scenarios
Covers
Doesn't Cover
Covers your business if you are sued for negligently performing your services, even if you haven’t made a mistake.
Scenarios
Covers
Doesn't Cover
Covers damages caused by covered internal forces, such as power surges, electrical shorts, mechanical breakdowns, motor burnout or operator error.
Covers
Doesn't cover software
Protects the home or structure you rent and provides liability coverage.
Scenarios
Covers nonpayment of rent if a tenant defaults on any rent payments they’ve agreed to in their lease.
Covers the loss of income that is sustained while the business is unable to operate due to damage from a covered loss.
Protects businesses against property thefts committed by employees.
Scenarios
Also known as loss of income insurance, helps keep you in business when unexpected events occur.
If the unthinkable does happen and your entire business is destroyed, you will still need to pay the bills, including paying employee wages, rent or mortgage, suppliers, taxes. And you’ll probably need to supply yourself some income, too.
Business interruption insurance can help keep your business afloat as well as pay for a temporary site, if the need arises
Unexpected events= Covered perils
Protects the business against lawsuits brought on by employees for claims against their legal rights.
Covers
Adds additional coverages to all insurance lines covered, raises limits of protection.
Alternative option if an employer chooses to opt out of Workers Comp. Provides financial protection in case of an injury incurred on the job.
Covers
Pros
Cons
Auto Insurance that covers any business vehicles used for business purposes.
Covers
Doesn't Cover
Additional coverage for the special equipment in case of power surges, mechanical breakdowns, burned out motors, or if your employee accidentally does something that causes the equipment to fail.
Covers
Covers equipment that is transported from place of business to job site.
Scenarios
Covers
Doesn't Cover
More limited in scope and provides liability coverage for garage operations, as well as liability arising out of ownership, maintenance, and use of covered autos.
Includes hired/non-owned drivers and physical damage to client's vehicles
Provides extra liability insurance coverage that goes beyond regular limits
Covers:
Protects against computer related crimes or losses. Includes targeted attacks (malware and phishing), misplaced laptop containing confidential material, and covers privacy, data, and network exposures.
Includes
Scenarios
Covers
Doesn't Cover
Protects your property in the event of loss by covered peril. Insures items that are permanently attached to the building itself.
Scenarios
Covers
Doesn't Cover
Provides liability coverage for bodily injuries or property damage that you or your employees cause while driving for work. This protection applies to vehicles you “hire” (like a rental car) or vehicles your business doesn’t own (like employees’ personal vehicles).
Covers
Compensates employees who are hurt on the job. Pays medical/loss of income/death.
Scenarios
Covers
Doesn't Cover
Protects your investment of tangible items on your business property against fire, earthquakes, vandalism, theft, storms and accidents. Includes outdoor signage, fencing, furniture or inventory.
Protects your business against physical abuse, such as sexual or other bodily harm and non-physical abuse, such as verbal, emotional or mental abuse. Errors, omission or misconduct.
Protects against legal/medical expenses incurred by a 3rd party due to negligence on business property.
Protects businesses and professionals against claims arising from errors, negligence, or inadequate performance in their services, ensuring financial coverage for legal expenses and damages.