Products We Offer

Automobile Liability Insurance
Protection for the insured against loss arising out of legal liability when his or her car injures others or damages others' property. (Includes Bodily Injury Liability and Property Damage Liability Coverage)

Builder's Risk Coverage Form
A commercial property coverage form specifically designed for buildings in the course of construction.

Builder's Risk Insurance
Insurance against loss to buildings or to structures in the course of construction.

Buildings and Personal Property Coverage Form
A commercial property coverage form designed to insure most types of commercial property (buildings or contents or both). It is the most frequently used commercial property form and has replaced the General Property Form, Special Building Form, Special Personal Property Form, and others.

Business Auto Coverage Form
The latest commercial Automobile Insurance coverage form, which may be written as a monoline policy or as a part of a commercial package. This form has largely replaced the Business Auto Policy.

Business Income Coverage Form
A commercial property form providing coverage for "indirect losses" resulting from property damage, such as loss of business income and extra expenses incurred. It has replaced earlier Business Interruption and Extra Expense forms.

Business Interruption Insurance
Covers fixed expenses and the loss of profit in the event physical property is damaged by a named peril; requires that the business be shut down in whole or in part as a direct result of the named peril. For example, it reimburses you for loss earnings if your business is forced to shut down because of a fire, windstorm, explosion or other insured loss.

Business Liability
The term used to describe the liability coverage provided by the Business Owners Liability Coverage Form. It includes liability for bodily injury, property damage, personal injury, advertising injury, and fire damage.

Business Owner's Policy (BOP)
A policy for small to medium-size businesses that includes a package of coverages that usually includes general liability, property, and auto coverage. This type of policy is normally the best product for a small company, since it provides very broad protection at minimal cost.

Business Personal Property
Traditionally known as "contents," this term actually refers to furniture, fixtures, equipment, machinery, merchandise, materials, and all other personal property owned by the insured and used in the insured's business.

Claims-Made Coverage
A policy providing liability coverage only if a written claim is made during the policy period or any applicable extended reporting period. For example, a claim made in the current reporting year could be charged against the current policy even if the injury or loss occurred many years in the past. If the policy has a retroactive date, an occurrence prior to that date is not covered. (Contrast this with "Occurrence Coverage)

Crime Coverage
Fidelity/Crime Insurance protects organizations from loss of money, securities or inventory resulting from crime. Most companies purchase coverage for employee dishonesty.

Cyber Liability Coverage
A generic term for a policy that includes one or more of the following coverages:

  • Network Security
  • Privacy
  • Digital Media
  • Virus & Other Computer Threats
  • Digital Advertising and Personal Injury
  • Digital Asset Coverage
  • Cyber Extortion
  • Digital Business Income Coverage
Directors and Officers Liability
Coverage for the fiduciary duties of directors and officers while acting in their capacity as a director or officer. This is not covered by any other policy.

Employers Liability Insurance
Coverage against common law liability of an employer for accidents to employees, as distinguished from liability imposed by workers compensation law.

Employment Practices Liability Insurance
EPLI covers businesses against claims by workers that their legal rights as employees of the company have been violated. EPLI provides protection against many kinds of employee lawsuits and will include all or some of the following:

  • Sexual harassment
  • Discrimination
  • Wrongful termination
  • Breach of employment contract
  • Negligent evaluation
  • Failure to employ or promote
  • Wrongful discipline
  • Deprivation of career opportunity
  • Wrongful infliction of emotional distress
  • Mismanagement of employee benefit plans
Errors & Omissions

Professional Errors and Omissions Liability Coverage (Miscellaneous Professional Liability)/Errors & Omissions (E & O) Professional Liability insurance is purchased by companies to protect against the costly litigation that could arise from claims alleging negligence or inadequacy in the performance of their professional services. Any individual, partnership, or corporation providing professional services can be exposed to liability as a result of any negligence in providing these services. E&O coverage also protects the mistakes of employees and Independent Contractors the firm may hire.

This coverage is not provided in Commercial General Liability (CGL), which primarily responds to property damage and bodily injury claims.

There are hundreds of forms of E&O insurance based on the type of industry or service you provide. Some policies are written based on specified professions such as:

  • Accountants
  • Architects & Engineers
  • Accountants
  • Architects & Engineers
  • Associations
  • Bankers
  • Doctors
  • Insurance Agents and Brokers
  • Lawyers

There are a host of other businesses outside of traditional Errors & Omissions exposures that provide professional services to others. These would be considered Miscellaneous Professional Liability, and there may be broader forms available for certain industry groups.

Some examples are:

  • Media: Broadcasters, Advertisers, Music/Entertainment, TV/Film producers
  • Management Consultants
  • E-Commerce
  • Technology/Software providers or developers
  • Advertising and Publishing
  • Errors and Omissions
  • Property Managers

Fidelity Bond
A bond which will reimburse an employer for loss up to the amount of the bond, sustained by an employer (the insured) by reason of any dishonest act of an employee (or employees) covered by the bond. See Crime Insurance.

General Liability Insurance
A broad term meaning liability insurance, other than automobile liability or employers' liability, written to cover professional and commercial risks. In respect to commercial liability, various available coverages could cover such risks as premises and operations, contractual liability, products and completed operations.

Homeowners Policy
A package policy for the homeowner that combines "named peril" (including theft coverage) protection on contents, coverage on the dwelling ranging from "named peril" to physical loss, additional living expense protection and personal liability insurance.

Inland Marine Insurance
A broad type of insurance, generally covering articles that may be transported from one place to another, as well as bridges, tunnels, and other instrumentalities of transportation and communication. It includes goods in transit (generally accepting transoceanic), as well as numerous "floater" policies such as personal effects, personal property, jewelry, furs, fine arts, and others.

Key Man (Key Employee) Insurance Policy
An insurance policy on the life of a key employee whose death would cause the employer financial loss, owned by and payable to the employer.

Package Policy
Combination policies in which several coverages are included, all in one contract. Examples are the storekeepers' burglary and robbery policy, homeowners' policy, blanket crime policy, special multi-peril policy, and comprehensive business policy.

Personal Lines
This term is used to refer to insurance for individuals and families, such as private passenger automobile or homeowner insurance.

Umbrella Liability Policy
A form of insurance protection against losses in excess of amounts covered by other liability insurance policies This policy also protects the insured in many situations not covered by the usual liability policies and is available for both personal and commercial lines coverage.

Workers Compensation
A schedule of benefits payable to an employee for injury, disability, dismemberment, or death as a result of occupational hazard. The payments are therfore a liability of an employer. Insurance that provides compensation to comply with the Workers Compensation benefits as required by law on behalf of the employer.