Coverages

Workers’ compensation coverage protects both your business and your best business asset — your people. If your employees have a workplace injury or illness, your workers’ compensation policy will pay for medical care reasonably required to treat the employee.

A business owner policy (BOP) combines protection for all major property and liability risks in one insurance package. This type of policy assembles the basic coverages required by a business owner.

A cyber insurance policy protects organizations from the cost of internet-based threats affecting IT infrastructure, information governance, and information policy, which often are not covered by commercial liability policies and traditional insurance products.

Professional liability insurance is a type of business insurance often referred to as Errors and Omissions Insurance or E&O Insurance. In some industries it is referred to as malpractice insurance.

Commercial flood insurance is insurance coverage that helps protect your business from flood damage. It covers your business’ physical premises, as well as the contents inside. Some policies may also cover financial losses stemming from business interruptions.

Excess liability insurance is coverage provided for the big, unexpected events that can have potentially catastrophic results on your business – from auto accidents to products liability claims. Unlike an umbrella policy, Excess Liability coverage is per policy.

Landlord insurance provides additional layers of coverage to help protect an investor from potential financial loss. While a standard homeowners policy provides limited protection for a rental property, a landlord insurance policy can provide coverage for lost rental income as well as property coverage.

Lessor’s risk is a type of small business insurance for commercial landlords. It covers commercial property landlords against certain risks and lawsuits from their tenants.

Commercial auto insurance is a type of business insurance that covers commercial instead of personal vehicles. Like regular car insurance, a commercial auto policy includes liability and physical damage coverage, along with other special forms of protection.

Commercial umbrella insurance is a form of liability insurance that covers your business when your other policies, such as general liability, auto liability, or product liability, are not sufficient to pay for damages.