Professional Liability

Protects you against claims for damages and legal defense based upon alleged or real professional negligence, errors and omissions.

General Liability

Pays for damages you become legally obligated to pay due to bodily injury, property damage, personal and/or advertising injury arising from your operations.

Sexual Abuse & Molestation

Protects against losses related to lawsuits arising from claims of physical and/or sexual abuse and molestation.

Workers Compensation

Covers employees for injuries and diseases according to the individual state workers compensation statutes.

Commercial Auto - Hired & Non-Owned Auto

Can pay for damages you become legally obligated to pay due to bodily injury or property damage resulting from agency-owned and/or non-owned vehicles.

Commercial Property

Protects your physical assets, including buildings, personal property, computers, accounts receivable, valuable papers, business income and extra expenses.

Directors & Officers (D&O) Liability

Insures corporate directors and officers against claims alleging loss arising from management or mismanagement of the organization.

Medical Malpractice Liability

Protects physicians, psychiatrists and various other medical professionals against claims arising out of professional errors, omissions or mistakes.

Foster Parent Liability

Defends foster parents from allegations of abuse or neglect. According to the National Foster Parent Association, foster parents have a 1 in 8 chance of being falsely accused of abuse or neglect.

Employer's Liability

Employer's Liability can help protect your organization in the event an employee does not feel the Workers Compensation policy provided adequate coverage and that the employer was negligent.

Employment Practices Liability

Defends lawsuits brought by employees (past, present or prospective) or governmental entities against the agency, alleging wrongful discharge, discrimination or certain types of harassment.

Special Event Liability

Special events bring about many exposures not anticipated in normal everyday operations.  Events could include; fundraising events, employee picnics or morale events or community involvement.

Cyber Liability

Covers a wide range of cyber related security breaches, including damages resulting from a data breach of the company's customers personal information, such as social security, credit card or bank account numbers, lost or stolen.

AD&D

(Also known as Accidental Death & Dismemberment) Pays out specified amounts in the event of an accident resulting in a death or dismemberment (i.e. loss of limbs, speech, eyesight or hearing).

Crime/Employee Dishonesty

This is the only type of protection an organization will have against dishonest acts of the employee.  Coverage includes any property of the employer that is stolen by the employee.

Equine Liability

Protects horse owners against legal claims arising out of bodily injury or property damage caused directly or indirectly by the animal.

Foreign Liability

Can include property, inland marine, liability, automobiles. workers compensation, kidnap & ransom, and travel accidents for operations outside the US, it's territories or possessions.

Excess/Umbrella Liability

An Excess/Umbrella policy provides additional layer of liability insurance when the costs of a lawsuit exceeds the primary policy limits.

Third Party Employment Practices Liability

Provides coverage from allegations of discrimination or harassment against the employees and/or the employer from “Third Parties” with whom the employees come in contact while conducting business on behalf of the organization.

Inland Marine

The coverage of goods in transit on land, as well as the property of others, that is on your premises or being transported to or from your premises.

Trustee/Guardianship Liability

If you are acting as a trustee, guardian, conservator or receiver of an estate of an individual, this coverage protects against claims brought on by beneficiaries, creditor and financial institutions for the mishandling of assets or unsound financial decisions. 

Active Shooter

Covers expenses tied to shootings in places such as schools, office buildings, concert venues, theaters, etc. It can also cover expenses occurring from knife or vehicular attacks as well.