The commercial property policy is the primary form used to insure your buildings and business personal property against direct loss from a covered peril. Policies will vary but each contains provisions that outline the scope coverage provided under the form. Some of these provisions apply to both building and personal property exposures and as such should be reviewed as part of your overall risk management program.

Property that is mobile in nature has been traditionally handled on these types of policies. A wide variety of forms and coverages has been developed to handle the needs of this property.

This policy can provide a combination of liability and physical damage protection for vehicles owned, maintained or used by you. Additional coverages such as medical payments and uninsured motorist protection can be added to customize the policy to fit your particular needs.

This type of insurance protects your business from claims arising from your legal liability for injury or damages to other people or their property. Coverage payments can include judgments, attorney fees, court costs, or other related expenses as defined in the form.

State law requires that every employer provide workers compensation insurance for their employees. This insurance provides coverage for accidents or disease arising from employment as prescribed by these state laws. Benefits can include lost wages, medical expenses, and permanent disfigurement/disability payments. Various additional endorsements can also be added to ensure that adequate protection is being provided for your particular situation.

This policy provides protection against catastrophic liability claims. The policy acts as an excess coverage over your primary liability policies. Its limits apply in addition to that provided by the underlying coverage.

This insurance protects against lawsuits by employees alleging wrongful termination, discrimination, harassment, or other specified employment related exposures.

This coverage insures you against claims arising out of your negligent acts, errors or omissions in the rendering or failing to render professional services as defined in the policy.

This insurance insures against claims arising from the negligent acts, errors, or omissions alleged to have been committed by present or former directors or officers of your corporation.

This insurance is used to protect your business against various risks associated with e-commerce, internet access, local area networks (LANs) and digital assets. It is necessary because these types of computer related exposures are typically excluded from most traditional insurance policies. Depending on the coverage you purchase cyber insurance can protect against loss or damage that you incur such as theft or destruction of your data, extortion demands, lost income, or denial of service attacks as well as loss to others arising from your legal liability including failure to safeguard data, transmission of a virus and claims involving libel and slander or allegations of copyright, trademark or service mark infringement.