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Workers
Compensation
Protection which provides benefits
to employees
for any injury or contracted disease arising out
of and in the course of employment. All states
have laws which require such protection for workers
and prescribe the length and amount of such benefits
provided. Contact us >
Professional Liability
A class of insurance policies
that indemnifies the insured for third-party liability
claims due to negligence in the performance of
professional services. Professionals include doctors,
lawyers, engineers, insurance agents and others. Contact
us >
Commercial General Liability
The commercial general
liability policy provides comprehensive general
liability coverage for commercial risks covering
all liability exposures for all locations and causes
of loss except those specifically excluded or limited
either within the coverage form or by endorsement.
Protection may be provided on either an occurrence
type of policy or on a claims-made basis. Contact
us >
Business Auto
Coverage designed to provide a "standard" form
for insuring commercial vehicles (other than private
passenger cars). Contact
us >
Umbrella/ Excess Liability
A form of liability
insurance protecting policyholders for claims in
excess of the limits of their primary automobile,
general liability and workers compensation policies,
and for some (few) claims excluded by their primary
policies which are subject to a deductible, which
may range from $250 for a personal umbrella to
a minimum of $10,000 for a commercial umbrella. Contact
us >
Property
"
First-party" insurance of
real and personal property against physical loss
or damage, not to be confused with property damage
liability insurance. Contact
us >
Inland Marine
The insurance of property (generally
on an "all-risk" basis) that is in the
course of transportation or is of such a nature
that it may easily be transported. Also includes
some risks at fixed locations considered "instruments
of transportation or communication," such
as bridges, tunnels, neon signs, and street clocks,
etc., which were accepted as inland marine by custom. Contact
us >
Errors & Omissions
Obligatory reinsurance treaties
contain a provision to clarify that because of
the nature of the treaty, should an error or omission
occur in the process of recording or describing
of the ceded risk, and if the risk is otherwise
covered by the treaty, the reinsurer will still
respond despite the error or omission. Contact
us >
Directors & Officers
Protects officers and directors
of a corporation against damages from claims resulting
from negligent or wrongful acts in the course of
their duties. Also covers the corporation (and
even the officers and directors in some cases)
for expenses incurred in defending lawsuits arising
from alleged wrongful acts of officers or directors.
These policies always require the insured to retain
part of the risk uninsured. Contact
us >
Environmental
Insurance designed to provide protection
for the liability exposures that may result from
damage, injury and, in some cases, clean-up costs
caused by pollution. This coverage is excluded
in the standard CGL, and the attempt has been to
make the CGL exclusion as broad or absolute as
possible. Contact
us >
Risk Management
The active identification, evaluation
and management of all of the potential hazards
and exposures to loss a risk may experience. The
handling of those exposures is not limited to insurance
options, but includes a variety of methods such
as alternative financing, retention, reduction,
elimination, transfer, and/or any combination of
methods. Contact
us >
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