Boiler & Machinery / Equipment Breakdown

Coverage for loss caused by mechanical or electrical equipment breakdown, including damage to the equipment. Supplements property insurance (which specifically excludes physical damage and the financial damage stemming from equipment breakdown) to cover the unique causes that can damage equipment.

Business / Group Travel

Insurance coverage for pitfalls associated with travel such as trip cancellation, trip interruption, lost luggage or default protection of a canceled trip due to carrier or tour operator no longer in business.

Business Income

Insurance covering loss of income by a business when operations are interrupted due to property loss that is a covered cause of loss.

Extra Expense

Coverage for reimbursement of expenses in excess of normal operating expenses that are incurred to continue operations after a direct loss.

Crime

Protects an organization against loss of money, securities or inventory resulting from crimes such as employee dishonesty, embezzlement, forgery, robbery, safe burglary, computer fraud, wire transfer fraud, counterfeiting among other criminal acts. Any business employee handling cash needs to be concerned with Employee Dishonesty and should purchase Crime Insurance.

Directors & Officers Liability

Provides financial protection for the directors and officers of your company in the event they are sued in conjunction with the performance of their duties as they relate to the company. Think of Directors & Officers Liability as a management Errors & Omissions policy. Many Directors & Officers Liability include Employment Practices Liability which involves harassment and discrimination suits and is where the majority of your exposure will be.

EPLI (Employment Practices Liability Insurance)

Provides protection for an employer against claims made by employees, former employees or potential employees. It covers your firm including its Directors and Officers for discrimination, wrongful termination of employment, sexual harassment and other employment-related allegations. You need this coverage as soon as you start to hire employees.

Fiduciary Liability

Protects the fiduciaries of health and welfare, or pension plans from claims by employees alleging financial loss due to mismanagement of funds.

Kidnap & Ransom

Written primarily for financial institutions and covers named employees for individual or aggregate amounts paid as ransom, with a deductible requiring the insured to participate in about 10 percent of any loss.

Professional Liability

Coverage designed to protect professionals against liability incurred as a result of errors and omissions in performing professional services.

Errors & Omissions

Malpractice insurance which gives professionals coverage for claims by patients and clients for alleged professional errors and omissions which amount to negligence.

Cyber Liability

Addresses first and third party risks associated with e-business, the Internet, networks, and informational assets. Cyber Liability Insurance coverage offers protection for exposures arising out of Internet communications.

Flood

Coverage for damage to property caused by flood.

Inland Marine

Insures special items, such as computers, light and sound equipment, and camera equipment at an agreed amount.