Other Business Insurance

There are various types of other business insurance that could provide valuable protection for your business when you need it most.

Professional Liability / Errors & Omissions Insurance – Protects businesses against claims of mistakes in professional services they provide to clients.

Medical Malpractice – A type of professional liability insurance that covers healthcare professionals against claims of negligence or injury.

Commercial Umbrella – Liability insurance that provides an additional layer of protection for costs or claims that exceed the limits of underlying business liability policies.

Cyber Liability – Protects a business from financial losses due to cyber incidents.  These incidents can include hacking, data and security breaches, viruses, cyber extortion and more.

Employment Practices Liability Insurance – EPL, also referred to as EPLI, protects an employer against claims from employee lawsuits resulting from sexual harassment, discrimination, wrongful termination, wrongful discipline, etc.

Inland Marine and Ocean Marine – Inland and Ocean Marine Insurance protect a business from Property damage while business property owned or in their care, custody or control is being transported over land or Ocean.

Directors & Officers – Also known as D & O Insurance, this coverage is a type of liability insurance that protects a company’s directors and officers from lawsuits alleging wrongful acts.

Commercial Flood – Protects businesses from business personal property (contents) and/or building losses due to flooding.

Liquor Liability – A type of business Liability insurance that protects businesses that are involved in selling, distributing, serving or furnishing alcohol from financial responsibility in the event of alcohol-related incidents.

Builder’s Risk Insurance – A temporary policy that provides protection to buildings and material during the construction process from simple renovations or remodeling to ground up construction.  It can cover both commercial and residential structures.

Bonds – Surety bonds may be required to provide a financial guarantee that your business will not default or fail to fulfill its obligations to a vendor/client.  Surety bonds include performance bonds, bid bonds, contract bonds and there are also fidelity bonds, pension plan bonds (ERISA) and many more.

Special Event Liability – Helps protect from liability in case someone is injured or damages to the venue’s property occur.  It may also offer cancellation coverage specifically for events such as weddings which would reimburse you for any non-refundable lost deposits if an event must be cancelled or postponed for certain reasons.