Cyber

This covers claims of financial loss due to a cyber attack or privacy breach. It should include both first party (breach response, loss of income, systems restoration, ransomware, data restoration) and third party (privacy liability, network security liability, regulatory liability) coverages.

Abuse Liability

Abuse liability coverage helps organizations defend themselves against allegations of abuse and molestation. Organizations who deal with vulnerable populations are those who require coverage the most such as schools & daycares, retirement and nursing homes, sports teams & sports leagues, churches or religious organizations, camps or sports and recreations centres.

Property including Business Interruption

Property covers your physical assets including buildings, contents, electronics, inventory, machinery and equipment when damaged by perils such as fire, flood, windstorm, or earthquake.  It can cover the cost to repair or replace the damaged property for Replacement Cost or Actual Cash Value. Actual Cash Value (ACV) covers the cost to repair, rebuild or replace […]

Equipment Breakdown

Provides coverage for losses caused by mechanical or electrical breakdown of equipment, including production machinery, HVAC equipment, printers, photocopiers and computers. Covers the cost to repair or replace the equipment and any other property damaged by the breakdown. Business interruption and extra expense loss is often included. Stock spoilage from the loss of power, light, heat, […]

Employment Practices Liability

Employment Practices Liability (EPL) insurance protects organizations against allegations and lawsuits by employees who claim their legal rights have been violated. EPL exposures have expanded from discrimination or harassment brought by employees to include a wide range of evolving exposures including accessibility, gender issues and disputes over performance reviews and promotion. Policies can be broadened […]

Commercial General Liability

Covers bodily injury or property damage claims from a third party as a result of your business operations. It usually includes personal & advertising injury, products-completed operations and can include extensions for tenant’s legal liability and medical payments.