No matter how careful a business is there will always be risk involved, a General Liability (CGL) insurance policy protects against many known and unknown risks.

Professional Liability Insurance (also known as Errors & Omissions Coverage or E&O for short) covers a wide range of professionals who make their living from their unique professional expertise.

Cyber Liability policies protect businesses against lawsuits filed by customers or other parties as a result of security or privacy breaches. They cover claims against your business alleging you failed to protect sensitive information stored on your computer system.

Businesses that involve the manufacture, sale or purchase of liquor face unique liabilities. When alcohol is used in business, the potential exists for an employee or a patron to be drunk and cause bodily injuries or property damage…

Surety bonds work as a form of insurance. If the bond’s requirements are not met, such as not performing contracted work or failing to pay vendors, a claim may be filed against the bond. Think of a surety bond as a form of credit to the principal…

Umbrella policies provide additional limits over the underlying liability policy. They usually provide broader coverage than an Excess Liability policy. Excess Liability policies also provide additional limits over the underlying liability, however are more restrictive and do not provide coverage which is unavailable in the underlying policy…

Pollution liability insurance is also sometimes called environmental liability insurance. While you may think it is only for industries like energy, power and manufacturing, this type of coverage is needed in many types of businesses and industries…

Crime Insurance is a form of risk management that protects the loss exposures resulting from criminal acts such as robbery, burglary, theft, embezzlement, forgery, and other forms of theft. It is also called "fidelity insurance"…

Business interruption insurance (also known as business income insurance) is a type of insurance that covers the loss of income that a business suffers after a disaster. The income loss covered may be due to disaster-related closing of the business facility or due to the rebuilding process after a disaster.

Workers’ comp insurance gives your employees benefits if they get a work-related injury or illness. These benefits help cover their medical care, replace most of their lost wages is they take time to recover, provide disability benefits. Workers’ comp also has benefits for you as a business owner. If your injured employee or their family sues your business, it can help cover legal costs…

Employers' liability covers legal costs and compensation for illness, injury and disease claims by all members of staff, including those on work experience. Employers' liability is compulsory for all businesses employing staff, including part-time workers, contractors, sub-contractors or apprentices…

An owners only, cpolicy is a minimum premium workers' comp program for businesses with no employees, subcontractors, or day labor…

An owners only, owners included workers’ comp policy minimum premium workers' comp program for businesses with no employees, subcontractors, or day labor. This type of policy is an affordable option for businesses with no employees. For a one-person company with the owner included, you would typically need to go through Assigned Risk Program…

Commercial auto insurance is similar to personal auto insurance in basic coverage, such as liability, comprehensive, collision and other types of coverage that are specific to business vehicle use. A commercial auto policy is designed to protect your business from significant losses that could affect your company’s financial well being.

If you or your employees place items or data in your personal or work vehicles for work purposes, you may need property in transit coverage. If your property insurance policy limits or excludes coverage for valuables, you may need property in transit coverage.

Commercial property insurance is used to cover any commercial property. Commercial property insurance protects commercial property from such perils such as fire, theft and natural disaster. Many different types of businesses, including manufacturers, retailers, service-oriented businesses and non-profit organizations carry commercial property insurance…

Builders risk insurance is designed to specifically protect buildings that are being renovated or under construction. Coverage, depending on your policy, can include protection for the construction materials, HVAC equipment, labor costs and other construction-related expenses…

Contractors may use an assortment of tools, equipment, and machinery when working at job sites. Examples include hand tools, backhoes, scaffolding, and portable generators. In the insurance industry, these items are called contractors equipment…

In the traditional agricultural space crop insurance is purchased by agricultural producers, and subsidized by the federal government, to protect against either the loss of their crops due to natural disasters, such as hail, drought, and floods, or the loss of revenue due to declines in the prices of agricultural commodities…