General Liability
This coverage provides protection for a business against claims of bodily injury, property damage, and personal injury arising from its operations, products, or premises. Includes Sexual Abuse & Molestation coverage, which provides protection for organizations against claims of sexual abuse or molestation committed by employees or volunteers. It typically covers legal defense costs and settlements or judgments awarded to the injured party.
Employment Practices Liability
This coverage protects businesses against claims made by employees alleging wrongful termination, discrimination, harassment, or other employment-related issues. It covers legal defense costs and settlements or judgments awarded to the employee.
Student Accident Coverage
Student Accident Coverage is a type of insurance that provides medical expense coverage for students who are injured while participating in school-sponsored activities. It typically covers medical expenses, accidental death and dismemberment benefits, and disability benefits.
Umbrella
This coverage provides additional liability protection above the limits of primary insurance policies. It helps protect businesses from catastrophic losses by providing higher limits of coverage.
Commercial Auto
This type of coverage provides protection for vehicles used for business purposes. It typically covers liability for bodily injury and property damage, as well as physical damage to the insured vehicle.
Property
This coverage protects businesses against damage or loss to their physical assets, such as buildings, equipment, and inventory. It typically covers perils such as fire, theft, vandalism, and natural disasters. Includes Business Interruption Insurance, which provides insurance for your income if a property loss occurs.
Cyber
Cyber coverage provides protection against losses such as data breaches, cyberattacks, and privacy violations. It typically covers costs associated with data breach response, notification, credit monitoring, and legal defense.
Workers' Compensation
Workers' Compensation coverage provides benefits to employees who suffer work-related injuries or illnesses. It typically covers medical expenses, lost wages, and rehabilitation costs, and also provides employers with protection against lawsuits related to workplace injuries.
Professional Liability
This coverage protects against claims of negligence or professional misconduct. It can provide financial protection if a parent or guardian alleges that the daycare provider failed to meet the expected standard of care, resulting in harm to a child.