Business Insurance Coverage

• Real Property
• Boiler & Machinery
• Business Personal Property
• Leasehold Improvements
• Loss of Rents, Rental Expense
• Business Income, Supplier or Customer Dependency, Extra Expense
• Premises Liability
• Libel, Slander, Advertising Injury
• Product and Completed Operations Liability
• Company Automobiles and Auto Liability
• Rented/Hired/Borrowed Automobile Liability
• Workers Compensation and Employer’s Liability
• Foreign Voluntary Workers Compensation
• Travel Accident
• ERISA Compliance
• Employee Theft
• Fiduciary Liability
• Supplies or Product in Transit or Import/Export
• Employment Practices Liability
• Professional Liability (Errors and Omissions)
• Management Liability (Directors and Officers)
• Kidnap and Ransom
• Cyber Risk

— Are you relying on your landlord to insure the rebuild of your Improvements and Betterments?

— Do you sublet a portion of your office to others? If so, are you protected from their liability exposures?

— Does your rent abate if you need to move out because of damage to the building?

— Is your inventory subject to spoilage?

— Are you demanding evidence of liability and workers compensation from contractors, vendors and temporary employees from staffing firms?

— Are your employees covered if injured while on assignment overseas?

— Do you have coverage for when your employees rent or drive their own cars on company business?

— Are you relying on your manufacturer’s insurance for your product liability?

— Are you reliant upon a critical supplier, client or neighboring property to meet your revenue projections?

— Planning layoffs? Statistically, companies see a rise in workers compensation losses, disability claims, suits for discrimination, harassment, wrongful termination, data theft, cyber sabotage and employee theft.

— Are you aware a General Liability policy does NOT cover employee suits, 3rd party theft from your employees, liability for data breaches, fiduciary acts, or any suit for monetary damages beyond personal injury?