Business Insurance Coverages

We offer a comprehensive suite of commercial insurance solutions, including coverage for complex, regulated, and evolving risks.

Core Business Insurance

• General Liability – Protection against third‑party bodily injury, property damage, and advertising injury claims

• Commercial Property Insurance – Coverage for buildings, contents, and business personal property

• Business Auto – Insurance for owned, hired, and non‑owned vehicles

• Workers’ Compensation – Coverage for employee injuries and workplace accidents

• Umbrella & Excess Liability – Additional limits designed to protect against catastrophic losses

Professional & Management Liability

• Professional Liability (Errors & Omissions) – Protection for service‑based claims and allegations of professional negligence

• Technology E&O – Coverage tailored to technology‑driven businesses and IT service providers

• Directors & Officers (D&O) Liability – Protection for leadership against management‑related claims

• Employment Practices Liability (EPLI) – Coverage for employment‑related allegations

• Fiduciary Liability – Protection related to employee benefit plan administration

Specialty & Complex Risk Solutions

• Cyber Liability – Coverage for data breaches, cyberattacks, and technology‑related losses

• Complex Property Programs – Custom solutions for high‑value or unique property exposures

• Complex Liability Programs – Designed for higher‑risk operations and contractual obligations

• Product Liability – Coverage for manufacturers, distributors, and sellers

• Pollution & Environmental Liability – Protection against environmental exposures

Builders Risk, Equipment & Transit

• Builders Risk – Coverage during construction and renovation projects

• Equipment Coverage – Protection for owned and leased equipment

• Equipment Breakdown – Coverage for mechanical and electrical failures

• Inland Marine – Protection for tools, equipment, and property in transit

• Ocean Marine – Coverage for international shipments and cargo

• Flood Insurance – Protection for flood‑related exposures

Bonds & Financial Protection

• Crime & Fidelity (ERISA) Bonds – Coverage for employee dishonesty and financial misconduct

• Surety Bonds – Contract, performance, and payment bonds