Insurance Products

Regular property insurance does not offer protection for renovation projects or buildings under construction. A Builder’s Risk policy is needed during the time the construction is taking place.

Surety bonds are designed to ensure that principals act in accordance with certain laws. They provide obligees with financial guarantees that contracts and other business deals will be completed in accordance with mutual terms.

A Business Owner’s Policy (BOP) combines business property and business liability insurance into one policy. BOP insurance helps cover your business from claims resulting from things like fire, theft or other covered disasters.

Commercial Auto insurance is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business. Commercial vehicles require a separate policy because they’re typically exposed to more risk than personal vehicles.

Cyber Liability is a specialty insurance product intended to protect businesses, and individuals providing services for such businesses, from Internet-based risks and from risks relating to information technology infrastructure, information privacy, information governance liability, and related activities.

Also known as D&O insurance, Directors & Officers Insurance protects the personal assets of corporate directors and officers, and their spouses, in the event they are personally sued by employees, vendors, competitors, investors, customers, or other parties, for actual or alleged wrongful acts in managing a company.

Also known as EPLI, Employment Practices Liability deals with wrongful termination, sexual harassment, discrimination, invasion of privacy, false imprisonment, breach of contract, emotional distress, and wage and hour law violations. 

Garage Liability insurance is a policy that covers bodily injury or property damage caused by an incident out of garage operations. 

Garagekeepers Legal Liability coverage is designed for business owners who offer towing services or operate service stations. It protects a customer's vehicle when you are keeping it at a covered location for parking or storing, or to perform service.

Commercial General Liability insurance is a broad type of insurance policy which provides liability insurance for general business risks.

Inland Marine insurance indemnifies loss to movable or specialized types of property, covers products, materials and equipment when transported over land.

Liquor Liability insurance helps protect a business that sells, serves, or distributes alcohol. This type of business insurance can help cover claims of bodily injury or property damage that an intoxicated person causes after a company served them alcohol.

Pollution insurance is a type of insurance that covers costs related to pollution. This can include the costs of liability for injuries and deaths caused by pollution. Typically excluded in general liability and property insurance policies. 

Also known as E&O insurance, Professional Liability is a form of liability insurance which helps protect professional advice and service providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit.

Property insurance provides protection against most risks to property, such as fire, theft and some weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, or boiler insurance.

Excess Liability provides additional limits to your underlying policy, but does not affect the actual terms of your policy (except in the case that it includes additional exclusions). By contrast, umbrella insurance can provide broader coverage than that afforded by your underlying policy.

 Marine General Liability protects against claims of liability for bodily injury, property damage, and personal/advertising injury specifically for those who work on or near the water. These classes include Marine Contractors, Ship Repairers, Marina Operators, Charterers, Stevedores, Wharfingers and Terminal Operators. 

Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.