Commercial Property
& Casualty Insurance

We learn your business inside and out.

Using this knowledge, we analyze and ensure proper coverage for your specific risk exposures.

We employ world-class tools and resources to serve you, including our strategic safety processes and propriety claims management system.

As our strategy is carried out, your dedicated support team will be in place to deliver technical insights and best in class service. We will work with you to tailor a comprehensive and competitive commercial property and casualty insurance program so you can focus on managing and growing your business.

What happens if a claim is paid by the surety?

Active Shooter Workplace Violence Insurance (aka Active Assailant Liability Insurance)

Active Shooter Insurance can provide extended protections that provide coverages and financial reimbursement for Physical Property Damage, Legal Liability / Litigation, Crisis Management, Business Interruption and Loss of Attraction.

General Liability Insurance
Commercial General Liability (CGL) Policy — a standard insurance policy issued to business organizations to protect them against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations; and advertising and personal injury (PI) liability. The CGL policy was introduced in 1986 and replaced the “comprehensive” general liability policy.

Assault and Battery Insurance

Expected or Intended Injury is concerned with whether the bodily injury or property damage is either expected or intended. And the view of “expected or intended” is from the standpoint of the insured that is alleged to be liable for bodily injury or property damage.

Employee Benefits Liability

Liability of an employer for an error or omission in the administration of an employee benefit program, such as failure to advise employees of benefit programs. Coverage of this exposure is usually provided by endorsement to the general liability policy but may also be provided by a fiduciary liability policy

Liquor Liability

Liquor liability insurance helps protect businesses that sell, serve or distribute alcohol. This type of business insurance can help cover claims of bodily injury or property damage that an intoxicated customer causes after a company sells or serves them alcohol.

Commercial Automobile LiabilityHired and Non-Owned Autos

Hired Automobile — term used (“hired autos”) in the Insurance Services Office, Inc. (ISO), business auto, garage, and motor carrier coverage forms to denote a particular type of auto included as a covered auto under the policy. With certain exceptions, the term refers to autos the named insured leases, hires, rents, or borrows.
Nonowned Automobile — described in commercial auto policies as an auto that is used in connection with the named insured’s business but that is not owned, leased, hired, rented, or borrowed by the named insured. As used in the business auto policy (BAP), the term specifically applies to vehicles owned by employees and used for company business; as used in the truckers and motor carrier policies, it applies only if such autos are private passenger type autos.

Workers Compensation and Employers Liability

Workers Compensation and Employers Liability Policy — an insurance policy that provides coverage for an employer’s two key exposures arising out of injuries sustained by employees. Part One of the policy covers the employer’s statutory liabilities under workers compensation laws, and Part Two of the policy covers liability arising out of employees’ work-related injuries that do not fall under the workers compensation statute.

Professional Liability
Errors and Omissions
Medical Malpractice Liability

A type of liability coverage designed to protect traditional professionals against liability incurred as a result of errors and omissions in performing their professional services. Most professional liability policies only cover economic or financial losses suffered by third parties, as opposed to bodily injury (BI) and property damage (PD) claims. This is because the latter two types of loss are typically covered under commercial general liability (CGL) policies. The vast majority of professional liability policies are written with claims-made coverage triggers. In addition, professional liability policies commonly contain what are known as “shrinking limits,” meaning that unlike CGL policies (where defense costs are paid in addition to policy limits), the insurer’s payment of defense costs reduces available policy limits. Accordingly, when attempting to determine appropriate policy limits, insureds must consider the fact that because defense costs are often a high proportion of any claim settlement or judgment, they may need to purchase higher limits than they would have for indemnity only. Note, however, that many professional liability policies (particularly for the medical, hospital, long-term care, and medical facility lines of professional liability) do provide defense coverage in addition to policy limits, an approach that is more in line with the structure of a CGL policy. The most common exclusions in professional liability policy forms are for BI, PD, and intentional/dishonest acts.

Clergy Counselors Liability
Clergy Counseling Liability provides you with insurance coverage for your legal obligations that come about for damages from acts, errors, or omissions arising out of counseling activities.
Religious Institutions Liability
Religious Institutions Wrongful Acts coverage provides you with Legal Liability Protection for Wrongful Acts by your Directors, Officers, Specified Trustees and Members in the Performance of their Management Responsibilities.
Sexual Misconduct, Abuse or Molestation Liability
Sexual Misconduct, Abuse or Molestation Liability provides you with Legal Defense Coverage and Indemnity Coverage in the event of Sexual Misconduct, Abuse or Molestation.
Umbrella Liability

Umbrella Liability is designed to provide you with protection against catastrophic losses. Umbrella Liability is generally written over various primary underlying liability policies, such as Commercial General Liability,

Garage Keepers Liability
Garagekeepers Extra Legal Liability — extends the garagekeepers liability policy to provide coverage for damage to customers’ automobiles regardless of the legal liability of the insured.
Stand Alone Terrorism
A separate, specialty insurance policy that covers loss due to terrorism. The vast majority of stand-alone terrorism policies are property policies that cover loss resulting from damage to the insured’s own property.
Host Liquor Liability
Host liquor liability coverage protects your business against claims or suits that arise from the incidental selling or serving of alcoholic beverages. It is designed to cover your liability as a social host. It is not intended for bars, nightclubs, and other establishments that are in the business of selling liquor.
Incidental Malpractice Liability
Incidental Malpractice — the liability exposure created by the offering of medical services by an entity not engaged primarily in the offering of such services
Property Insurance
Commercial Property provides insurance protection against damage to their buildings and contents due to a covered cause of loss, such as a fire. The policy may also cover loss of income or increase in expenses that results from the property damage (PD).
NFIP Flood Insurance
Excess Flood Insurance
Flood insurance is a type of property insurance that covers real property and/or contents for losses sustained by water damage specifically due to flooding caused by heavy or prolonged rain, melting snow, coastal storm surges, blocked storm drainage systems, or levee dam failure.
Stock Throughput
Stock Throughput Policies (STP) are designed for companies that manufacture, import, distribute, export or install merchandise and equipment. The policy provides cover for all moveable goods (inventory/equipment) that are the subject of the insured’s trade, including raw materials, semi-finished, and finished products.
Directors & Officers Liability and Employment Practices Liability Employment Practices Liability (EPLI)
Protects the Corporation and its Directors and Officers from third party lawsuits that they committed a wrongful act Protects from discrimination, harassment (including sexual harassment), wrongful termination, breach of employment contract, negligent evaluation, failure to employ or promote, wrongful discipline, deprivation of career opportunity, wrongful infliction of emotional distress, and unjust termination lawsuits from current or former employees Provides Defense coverage resulting from potential “Wage & Hour” claims alleging failure to pay overtime wages
Directors & Officers Liability

Directors and Officers (D&O) Liability Insurance — a type of liability insurance covering directors and officers for claims made against them while serving on a board of directors and/or as an officer. D&O liability insurance can be written to cover the directors and officers of for-profit businesses, privately held firms, not-for-profit organizations, and educational institutions. In effect, the policies function as “management

 

Environmental Liability

Direct losses. Legal defense costs add up quickly; so can unexpected cleanup expenses and damage payments to third parties.
Indirect losses. Pollution events can trigger a variety of consequential losses; for example, contamination can render facilities unusable, causing business interruption losses, loss in rental income and costs associated with relocation.
Property devaluation. Environmental liabilities can dramatically impact the overall value of large asset holdings or the transferability of individual assets

 

Cyber Liability
Protects the Corporation and its Directors and Officers from third party lawsuits that they committed a wrongful act Protects from discrimination, harassment (including sexual harassment), wrongful termination, breach of employment contract, negligent evaluation, failure to employ or promote, wrongful discipline, deprivation of career opportunity, wrongful infliction of emotional distress, and unjust termination lawsuits from current or former employees Provides Defense coverage resulting from potential “Wage & Hour” claims alleging failure to pay overtime wages
Crime
A commercial crime policy typically provides several different types of crime coverage, such as: employee dishonesty coverage; forgery or alteration coverage; computer fraud coverage; funds transfer fraud coverage; social engineering coverage, money and securities coverage; and money orders and counterfeit money coverage
Utility Deposit Bonds Various Limits as Needed
The purpose of a utility deposit bond is to protect utility companies from default on payments by users, and to ensure their timely execution. Utility bonds are a kind of surety bonds, but they fall in the special category of financial guarantee bonds.
In-House Counsel Professional Liability (E&O)
All claims made against employed lawyers (unless specifically excluded) that arise out of the performance of or alleged failure to perform legal services for the employer Legal fees and expenses incurred in defense of employed lawyers accused of legal malpractice Amounts paid in damages or settlements in some cases Punitive damages with “most favorable jurisdiction” language (with some insurers)
Fiduciary Liability
Fiduciary Liability provides coverage for breach of fiduciary duty related to managing pensions, savings plans, profit-sharing plans, employee benefits, and health/welfare plans.
Kidnap & Ransom
Specialty crime coverage that insures against loss by the surrender of property as a result of a threat of harm to the named insured, an employee, or a relative or guest of the insured or the insured’s employees
ERISA Bond 10% of 401k Plan Assets
An ERISA fidelity bond is a type of insurance that protects the plan against losses caused by acts of fraud or dishonesty. Fraud or dishonesty includes, but is not limited to, larceny, theft, embezzlement, forgery,misappropriation, wrongful abstraction, wrongful conversion, willful misapplication, and other acts
Foreign Liability
The standard business insurance policies that are sold in the U.S. do not cover many of the exposures that may occur outside of the U.S. In addition, overseas jurisdictions often require policies and extensions that only international carriers provide. For this reason, many U.S. companies with foreign exposures buy a Foreign Package Policy that contains a number of coverages such as Foreign General Liability, Foreign Contingent Business Auto, Foreign Voluntary Workers Compensation, Foreign Property, Kidnap and Ransom, Accidental Death & Dismemberment, and Emergency Travel Services.
Legal Defense Liability
This “policy” only covers the “legal services” of a “plan attorney” to defend a claim made against the “insured” and the insured’s existing insurance coverage is denied or is not applicable. It does not indemnify the association for damages that the association may have to pay as the result of a claim. It does not cover any out-of-pocket costs in the defense of a claim.

Our team is always ready to help you with a comprehensive and detailed review of your commercial insurance program, and we will also provide you with a competitive proposal that includes options for improving your overall insurance program.

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