INDUSTRIES WE SERVE

Real Estate

Key Coverages: General Liability, Commercial Property, Umbrella, D&O, EPLI
Things to Consider: Premises liability, tenant exposures, habitability claims, board governance, and lender or lease requirements.

Healthcare

Key Coverages: Professional Liability, General Liability, Cyber, EPLI, Workers’ Compensation
Things to Consider: Patient care standards, regulatory compliance, privacy laws, and professional liability exposure.

Retail Stores

Key Coverages: General Liability, Commercial Property, Crime, Workers’ Compensation
Things to Consider: Slip-and-fall claims, theft, inventory protection, and customer traffic risks.

Professional Services Firms

Key Coverages: Professional Liability, General Liability, Cyber, EPLI
Things to Consider: Errors & omissions exposure, contract terms, and reliance on professional advice.

Technology Companies

Key Coverages: Cyber, Professional Liability, D&O, General Liability
Things to Consider: Data security, intellectual property, contractual risk, and rapid growth exposure.

Manufacturing

Key Coverages: General Liability, Product Liability, Commercial Property, Workers’ Compensation
Things to Consider: Equipment hazards, employee safety, product defects, and supply chain risk.

Restaurants

Key Coverages: General Liability, Workers’ Compensation, Commercial Property, Liquor Liability
Things to Consider: Food safety, customer injuries, high employee turnover, and operational interruptions.

Hospitality Groups

Key Coverages: General Liability, Commercial Property, EPLI, Umbrella
Things to Consider: Guest safety, high foot traffic, employment practices, and reputational exposure.

Contractors

Key Coverages: General Liability, Workers’ Compensation, Commercial Auto, Builders Risk
Things to Consider: Jobsite injuries, contractual insurance requirements, certificates, and project timelines.

Homeowners & Condo Associations

Key Coverages: General Liability, Property, D&O, Umbrella
Things to Consider: Common area liability, board decisions, maintenance responsibilities, and assessments.

Beauty & Barber Salons

Key Coverages: General Liability, Professional Liability, Commercial Property
Things to Consider: Client injury, product use, sanitation standards, and leased space exposure.

Fitness Gyms & Studios

Key Coverages: General Liability, Professional Liability, Workers’ Compensation
Things to Consider: Participant injuries, trainer exposure, waivers, and equipment safety.

Schools

Key Coverages: General Liability, Professional Liability, EPLI, Cyber
Things to Consider: Student safety, staff conduct, data protection, and regulatory requirements.

Childcare & Daycare

Key Coverages: General Liability, Abuse & Molestation, Workers’ Compensation
Things to Consider: Supervision standards, licensing compliance, staff screening, and child safety.

Wholesalers & Distributors

Key Coverages: General Liability, Commercial Property, Commercial Auto
Things to Consider: Inventory values, logistics exposure, and vendor contract obligations.

Amateur Sports Leagues, Associations & Teams

Key Coverages: General Liability, Accident Medical, D&O
Things to Consider: Participant injuries, volunteer exposure, and event-related liability.

Nonprofits & Educational Organizations

Key Coverages: General Liability, D&O, EPLI, Cyber
Things to Consider: Board oversight, volunteers, donor funds, and regulatory scrutiny.

Nursing Homes & Assisted Living Facilities

Key Coverages: Professional Liability, General Liability, EPLI, Workers’ Compensation
Things to Consider: Resident care standards, staffing exposure, and regulatory oversight.

Community Centers

Key Coverages: General Liability, Commercial Property, D&O
Things to Consider: Public use exposure, facility management, and program-related risks.

Youth Day & Sports Camps

Key Coverages: General Liability, Abuse & Molestation, Accident Medical
Things to Consider: Supervision, transportation exposure, and participant safety.

Truckers

Key Coverages: Commercial Auto, Cargo, General Liability, Umbrella
Things to Consider: Federal filings, driver safety, equipment exposure, and catastrophic losses.

Group Homes & I/DD Homes

Key Coverages: General Liability, Professional Liability, EPLI
Things to Consider: Resident care, staffing ratios, licensing, and compliance requirements.

Life Insurance Groups

Key Coverages: Professional Liability, Cyber, D&O
Things to Consider: Regulatory compliance, data protection, and advisory liability.

Special Events

Key Coverages: General Liability, Liquor Liability, Event Cancellation
Things to Consider: Crowd exposure, venue requirements, and short-duration risk.

Film Production

Key Coverages: General Liability, Equipment Coverage, Workers’ Compensation
Things to Consider: Location risks, equipment value, cast & crew safety, and schedule delays.

Auto Repair Shops

Key Coverages: Garage Liability, General Liability, Property, Workers’ Compensation
Things to Consider: Customer vehicles, equipment hazards, and employee safety.

Car Dealerships

Key Coverages: Garage Liability, Commercial Auto, Crime, D&O
Things to Consider: Inventory values, test drives, finance exposure, and regulatory oversight.

Public Entities

Key Coverages: General Liability, Professional Liability, D&O, Cyber
Things to Consider: Public accountability, statutory requirements, and governance risk.

Churches

Key Coverages: General Liability, Commercial Property, D&O, Abuse & Molestation, EPLI
Things to Consider: Congregant and visitor safety, property protection, volunteer exposure, leadership governance, and community programs or special events.

Freight Brokers & Freight Forwarders

Key Coverages: Contingent Auto Liability, Professional Liability (E&O), Cargo Coverage, General Liability, Surety Bonds
Things to Consider: Contractual liability, carrier insurance gaps, cargo disputes, regulatory compliance, and high-severity transportation losses.