Commercial Liability
Insurance that protects your business and employees from unplanned accidents and the risk of lawsuits.
General Liability - General liability protects the insured, insured’s business, and the
insured’s employees from claims involving bodily injury or property damage.
Workers' Compensation Insurance - (workers' comp insurance covers medical costs and
a portion of lost wages for an employee who becomes injured or ill on the job in exchange for mandatory relinquishment of the employee’s ability to sue their employer.
Employment Practices Liability Insurance – (EPLI) - Employment practices liability
insurance, known in the trade as EPL insurance or EPLI, provides coverage to employers against claims made by employees alleging discrimination (based on sex, race, age or disability, for example), wrongful termination, harassment and other employment-related issues, such as failure to promote.
Commercial Umbrella - Umbrella insurance is extra liability insurance. It is designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future. It does this in two ways:
Provides additional liability coverage above the limits of your property, auto, and other policies. This protection is designed to kick in when the liability on these other policies has been exhausted.
Provides coverage for claims that may be excluded by other liability policies including: false arrest, libel, slander, and liability coverage on rental units you own.
E&O or Professional Liability - Errors and Omissions Insurance or Professional Liability Insurance covers your professional mistakes (errors) and the things you overlook (omissions). If you're company is sued over a professional mistake or oversight, this policy can help you pay for legal expenses.
Directors & Officers Liability - A type of liability insurance covering directors and officers for claims made against them while serving on a board of directors and/or as an officer. D&O liability insurance can be written to cover the directors and officers of for-profit businesses, privately held firms, not-for-profit organizations, and educational institutions.
Crime - Crime coverage is usually written as part of a package policy and covers:
Malpractice Insurance – a type of professional liability that protects health care providers against patients who sue them under the claim that they were harmed by the physician's negligent or intentionally harmful treatment decisions.
General Liability - General liability protects the insured, insured’s business, and the
insured’s employees from claims involving bodily injury or property damage.
Workers' Compensation Insurance - (workers' comp insurance covers medical costs and
a portion of lost wages for an employee who becomes injured or ill on the job in exchange for mandatory relinquishment of the employee’s ability to sue their employer.
- Worker’s compensation can pay hospital and medical expenses that are necessary to diagnose and treat your injury. But it also provides disability payments while you are unable to work (which is typically about two-thirds of your regular salary).
- Workers' compensation insurance typically only covers injuries or illnesses when they occur because of duties performed on the job or while at work. Examples of injuries that may be covered by workers' comp include injuries caused by lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury due to fires or explosions.
- Most state workers' compensation insurance programs do not provide coverage for injuries that occur while an employee is not acting within the scope of employment - such as water skiing on your day off.
Employment Practices Liability Insurance – (EPLI) - Employment practices liability
insurance, known in the trade as EPL insurance or EPLI, provides coverage to employers against claims made by employees alleging discrimination (based on sex, race, age or disability, for example), wrongful termination, harassment and other employment-related issues, such as failure to promote.
Commercial Umbrella - Umbrella insurance is extra liability insurance. It is designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future. It does this in two ways:
Provides additional liability coverage above the limits of your property, auto, and other policies. This protection is designed to kick in when the liability on these other policies has been exhausted.
Provides coverage for claims that may be excluded by other liability policies including: false arrest, libel, slander, and liability coverage on rental units you own.
E&O or Professional Liability - Errors and Omissions Insurance or Professional Liability Insurance covers your professional mistakes (errors) and the things you overlook (omissions). If you're company is sued over a professional mistake or oversight, this policy can help you pay for legal expenses.
Directors & Officers Liability - A type of liability insurance covering directors and officers for claims made against them while serving on a board of directors and/or as an officer. D&O liability insurance can be written to cover the directors and officers of for-profit businesses, privately held firms, not-for-profit organizations, and educational institutions.
Crime - Crime coverage is usually written as part of a package policy and covers:
- Employee dishonesty – theft by employees
- Money and securities - theft of money and securities
- Robbery and safe burglary
- Storekeepers burglary and robbery
Malpractice Insurance – a type of professional liability that protects health care providers against patients who sue them under the claim that they were harmed by the physician's negligent or intentionally harmful treatment decisions.
- Premiums are usually based on the physician's specialty and geographic location but not on claims experience. This means that even if a physician has never been sued, he or she can end up paying extremely high premiums.
- The premiums can become high because of factors such as amount of coverage needed, claims severity, claims frequency, location of practice and laws in the area.
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