
Endorsed Products
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- PropertyProperty insurance provides coverage for the insured's buildings and business personal property. Coverage can be added to cover the loss of business income or extra expense that is the result of physical loss to the insured’s property by a covered peril. Perils are causes of loss such as fire, windstorm, hail, etc.
- General LiabilityGeneral Liability provides coverage for the insured’s legal liability for bodily injury, personal injury, advertising injury and property damage suffered by members of the public, customers, tenants and others. Loss to the insured’s own property is never covered.
- Products LiabilityProducts Liability provides protection against claims arising out of the use, handling or consumption of faulty or defective products. The coverage can be written separately or as part of General Liability coverage.
- EnvironmentalEnvironmental insurance can provide coverage for both liability and property insurance. It can cover claims of injury or damage due to pollution and/or the cost of cleaning up pollutants.
- CrimeCrime insurance provides coverage for loss of money, securities and other property from dishonest acts. The main categories are: Employee Dishonesty, Forgery, Burglary, Robbery and Theft. The coverage can be written separately or as part of a commercial package.
- Inland MarineInland Marine includes coverage for moveable property whether or not it is ever moved. It can cover everything from accounts receivable and valuable papers/records to jewelers block and commercial fine arts. It can be written separately or as part of a commercial package.
- Ocean MarineOcean Marine policies include one or more of the following coverages: Hull, Cargo, Freight, and Protection & Indemnity. It is an unregulated line of insurance that can be tailored to the needs of the parties with insurable interest.
- Automobile Liability and Physical DamageCommercial Auto provides coverage for automobile exposures arising out of owned, leased, rented, or borrowed vehicles. The liability coverage addresses claims for injury and/or property damage due to an accident involving a covered vehicle. Physical Damage coverage pays for loss to a covered vehicle.
- Umbrella/Excess LiabilityUmbrella and Excess Liability policies provide high limits of coverage to protect against catastrophic losses. Coverage kicks in after primary insurance limits have been exhausted. Because there are no standard forms, coverage may be broader or more limited than the primary policies.
- Employment Practices LiabilityEmployment Practices Liability offers protection for lawsuits brought by current employees, former employees, or potential employees. It can cover both the company and its directors and officers. Typical lawsuits are sexual harassment, wrongful termination, discrimination, etc.
- Professional LiabilityProfessional Liability includes Medical and Non-Medical Malpractice. It provides coverage for the legal liability resulting from negligence, errors and omissions, and other aspects of rendering or failing to render professional services.
- Various Other Executive/Management Liability Coverages
- Directors & Officers Liability
- Private Company Liability Insurance
- Kidnap & Ransom
- Pension Trust Liability