Provides coverage for third-party liability arising from someone's bodily injury, property damage or personal injury that you are found liabile to pay.
Products/Completed Operations Liability
Pays judgement & defense costs if you are sued due to bodily injury or property damage caused by your manufactured or distributed products (or parts) or your completed work.
Auto- Owned Liability
Protects against alleged claims for bodily injury and property damage arising from ownership, maintenance, or use of any covered auto. Physical damage: Protects YOUR covered vehicles for physical damage loss that results from a covered peril.
Auto- Hired or Non-Owned Liability
Covers liability arising out of the use of hired/rented or non-owned automobiles, such as employee owned vehicles used on your behalf.
Provides statutorily required "Workers' Compensation & Employers Liability" benefits to your employees incurred from work related injury or disease. (Certain officers, proprietors, individuals may be exempt)
Provides excess or higher liability limits over your primary layers of "underlying insurance", or provides insurance not provided in underlying insurance but not also excluded in the Umbrella, or provides replenishment of underlying limits that are reduced by claims.
Employee Benefit Liability
Covers liability & defense cost protection for suits alleging damages caused by errors or omissions in the administration of employee benefits.
Business Income Coverage
Reimburse you for lost business income or extra expenses sustained due to a necessary suspension or reduction in your business due to a covered loss.
Fills gaps in property insurance by covering sudden breakdown of equipment such as heating & air conditioning items, motors compressors, telephone systems, electrical apparatus, production equipment, etc including boilers if needed.
Flood and/or Earthquake
By special endorsement your coverage for property loss may be extended to include loss caused by flood or earthquake damage.
Fidelity ("Employee Dishonesty")
Pays for loss sustained through the dishonest act(s) of employee(s) such as embezzlement, stealing, etc.
For suits alleging wrongful acts by you in the handling, investing, or selecting of others, to manage your pension, profit sharing, 401K, etc plans. Without this coverage, trustees personal assets are at risk.
Employment Practices Liability
Pays for defense costs, settlements, and judgments for claims such as sexual harassment, discrimination, wrongful termination or other "employment practices".
Directors & Officers
Insures against claims arising from the negligent acts, errors, or omissions alleged to have been committed by present or former directors or officers of your corporation.
Tools & Equipment Floater: Insures covered mobile equipment/tools while sotred on premises, in transit, or at temporary locations on either a scheduled or blanket basis.