ONE COMPLETE PACKAGE

General Liability

General liability coverage protects your business against claims or bodily injury or property damage to others.
General liability coverage provides financial protection for your business in case it is ever sued or held legally responsible for incidents of bodily injury and/or property damage that occur at your place of business or at your customer’s place of business.

Property
Property coverage protects business property and inventory used in the course of business, even if that property is removed from your place of business when it is damaged. This coverage includes owned buildings, business personal property, computer hardware/software, property of others and loss of earnings due to a covered cause of loss.

Professional Liability (E&O)
Professional liability protects the holder against loss from a claim of alleged negligent acts, errors or omissions in performance of holder’s professional services. Professional liability also covers the holder against claims of libel, slander and invasion of property. The professional liability policy will respond even if the claim is false or groundless.
In case of IT business, professional liability protects your company from claims or financial loss resulting from programming errors, software performance failure or the failure of your work, schedule, etc. to perform as was initially agreed upon in your contract with your client.

Fidelity Bond
Fidelity bonds provide coverage for employee dishonesty, which includes stolen physical property, cash, checks and securities. Also known as commercial crime coverage, this policy is designed to protect your company from theft by employees at your place of business.

Worker’s Compensation
Worker’s compensation provides medical and disability coverage for on the job injuries or work related injuries. This coverage also provides Employer’s Liability coverage, a coverage that protects the company from an injured employee’s claim that the employer was negligent. The worker's compensation covers the medical expenses and lost income of the employees.

Employment Practices Liability (EPLI)
Employment practices liability insurance, or EPLI, provides coverage for claims of discrimination based on age, race, gender, disability and other factors. EPLI also includes claims of sexual harassment and wrongful termination by employees. Failure to promote wrongful termination and other employment-related liability issues.

Commercial Auto
Commercial auto coverage protects you and your business against physical damages and liability for business-owned vehicles, and can extend to hired and non-owned autos.

Umbrella Liability
Umbrella liability coverage is additional coverage, which pays in the event that the limit of the underlying coverage is exhausted, and which may also fill gaps in coverage in the underlying general liability policy.

Directors and Officers Liability (D&O)
Directors and officers liability coverage provides protection for a business, its directors, officers, and trustees of for profit businesses, as well as employees and volunteers of non-profit organizations. The policy covers in the event they are sued in conjunction with the performers of their duties as they relate to the company. Coverage is not provided for the company itself in this circumstance, rather, the directors and officers’ personal assets are covered here. The coverage provides flexibility in handling the claim by allowing you to choose the limits and deductibles.
 

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