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.

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, […]

Environmental / Pollution Liability

Environmental Impairment Liability (or) Pollution liability insurance protects businesses against third-party claims and first-party exposures resulting from pollution conditions. These claims could be for costs associated with the cleanup of contaminated sites, third-party bodily injury, and property damage claims arising from environmental incidents, such as spills or leaks of hazardous substances. It can also address […]

Directors’ & Officers’ Liability

Directors and officers (D&O) liability insurance is designed to protect individuals who are personally sued for wrongdoing while serving as directors or officers of an organization. It provides coverage for defense costs and any resulting settlements the directors, officers and the organization are required to pay. Wrongful acts and allegations covered under D&O policies include: […]

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.