Type of Insurance Coverages

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Covers third-party bodily injury, property damage, and personal injury claims, essential protection for any business.

Known as Errors & Omissions (E&O), this covers service based mistakes, negligence, or failure to perform. 

A packaged policy combining general liability and commercial property, ideal for small and mid-sized businesses seeking bundled coverage

Protects employees with medical care and wage replacement for work related injuries and illnesses also shields employers from legal claims.

Covers buildings, equipment, and inventory against damage from fire, theft, vandalism, and natural disasters.

Directors & Officers (D&O) Liability - Protects company executives and board members from personal financial loss due to lawsuits alleging wrongful acts in managing the organization.

Employment Practices Liability (EPLI) - Covers claims related to employee issues such as wrongful termination, discrimination, harassment, and retaliation.

Crime Insurance - Protects businesses from financial losses caused by employee theft, fraud, embezzlement, forgery, and other criminal acts.

Fiduciary Liability - Covers legal liability arising from mismanagement of employee benefit plans, including health and retirement plans, under ERISA guidelines.

Kidnap, Ransom & Extortion - Provides financial protection and crisis response in the event of kidnapping, extortion threats, or illegal detention of company personnel.

Protects against digital threats like data breaches, ransomware, and system failures includes response costs, legal fees, and business interruption.

Temporary coverage for buildings under construction and protects against theft, weather damage, and onsite risks during a project’s build phase.

Provides higher limits above your standard policies, offering protection for large or catastrophic claims that exceed underlying coverage

Financial guarantees that back contractual obligations or legal compliance commonly required for contractors, service providers, and licensees.

Covers business vehicles for liability, collision, and comprehensive damage essential for fleets, delivery, or mobile operations.