Insurance coverage that pays benefits for losses caused by accidental injury, accidental death, accidental dismemberment, accidental paralysis, and accidental medical and dental expenses.

Accident means a sudden, unforeseeable, unintentional or unexpected incident.

Is an auto policy that includes auto liability and auto physical damage coverage.

Business auto insurance provides coverage if you are using a vehicle for purposes that are related to your business.

Vehicles can include: owned vehicles, non-owned vehicles, and leased or rented vehicles.

Is commercial property insurance covering loss of income suffered by a business when damage to its premises, by a covered cause of loss, causes a slowdown or suspension of its operations. Coverage applies to loss suffered during the time required to repair or replace the damaged property.

A waiting period is usually built into the coverage form. (i.e., between 24 – 72 hours)

An insurance policy for businesses that insures against damage to their buildings and contents due to a covered cause of loss, such as a fire.

A deductible is typically selected based on your property values and/or the amount you can afford, out of pocket, at the time of loss.

Provides protection for a data breach when a company’s personal identifiable information, such as social security, driver’s license or credit card numbers are exposed or stolen by hackers who gained access to your firm’s electronic network. Costs can include credit monitoring, cost associated with notifying customers affected by the breach, costs for recovering compromised data, costs for repairing computer systems, and more.

Provides protection for your organization’s directors and officers from personal financial loss that may result from allegations of wrongful acts or mismanagement.

EPL covers the cost of lawsuits brought against your company by employees. These can be current, former or prospective employees. The policy covers claims for wrongful termination, discrimination, sexual harassment, hiring/job issues, and more.

Helps protect your business from claims that it caused, such as, bodily injury to someone else, property damage to another person’s belongings, and personal injury, like libel or slander.

Coverage can help pay for attorney fees, evidence and document gathering, judgments, settlements, and more.

Protects you against lawsuits claiming your negligence in performing or failing to perform professional services.

This coverage provides an extra layer of liability protection by covering costs that go beyond your other liability coverage limits. In other words, commercial umbrella insurance complements your other liability coverages by taking over when your other liability coverage limits have been reached.