We protect your family and your business, all under one roof!
Commercial Insurance Policies We Provide:
Commercial insurance is a “catch all” term used to describe a collection of various policies aimed at mitigating risk and protecting businesses from damages and liabilities that may result from a range of different threats, risks or circumstances.
A company’s networks carry a unique loss potential. The potential exists for hackers/crackers, viruses and malicious code to cause damage throughout the entire virtual enterprise. The damage to your own computer system can also have a dramatic impact on your corporate stakeholders.
The company may experience direct damage (First Party) or liability claims (Third Party). In either case, the security breach in your system may cause untold damage to others linked to your system who depend on your stability.
Tech E&O policies cover both liability and property loss exposures. Major liability insuring agreements include losses resulting from: (1) technology services, (2) technology products, (3) media content, and (4) network security breaches. Key property insuring agreements provide coverage for extortion threats, crisis management expense, and business interruption.
BUSINESS OWNERS PACKAGE
Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed by a small business. Notably they do not cover any workers’ compensation, professional liability, or business vehicle coverage.
GENERAL LIABILITY INSURANCE
Normally, it is difficult for businesses or general contractors to work without general insurance. General liability insurance is intended to guard operators and owners of companies from claims that may come from a broad spectrum of sources. These exposures could be just about anything, including liability engendered by accidents from the operations of the insured party, contractual liability, products manufactured by the insured party, etc.
DIRECTORS AND OFFICERS LIABILITY
EMPLOYMENT PRACTICES LIABILITY
- Wrongful Discharge
- Sexual Harassment
- Hostile Working Environment
- Wrongful Termination
- Lack of Advancement
Professional liability insurance is separate from a General Liability (GL) insurance policy which would cover you mainly for bodily injury or property damage liability.
By law, most employers are required to provide coverage for lost wages and medical bills incurred as a result of on-the-job accidents or illnesses. For many businesses, workers comp coverage is the largest part of its insurance expense.