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 […]
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 […]
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: […]
Crime
Crime coverage helps protect against criminal acts committed by employees and certain types of fraud committed by third parties such as credit card forgery or alteration, computer fraud and theft, stealing and embezzlement, destruction of property, and social engineering.
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.
Commercial Automobile / Fleets
Covers physical damage to your commercial vehicles and third-party liability. A fleet policy applies to a number of vehicles, usually with the requirement that they be under common ownership.
Builders Risk / Course of Construction
Covers all property being incorporated into a project during the construction phase. It is designed to protect against direct physical loss or damage to a project as well as construction material waiting to be installed onsite, in transit or offsite. This type of policy is recommended for all types of projects including: Residential new builds […]