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Workers’ Compensation
Workers’ Compensation Insurance is required in most states and protects both your business and your employees. It covers medical expenses and wage replacement if an employee is injured or becomes ill due to work-related activities.
What it typically covers:
• Medical treatment for job-related injuries
• Partial wage replacement
• Rehabilitation services
• Employer liability for workplace injuries
This coverage ensures compliance while supporting a safe, accountable work environment.
Business Owner’s Policy (BOP)
A Business Owner's Policy (BOP) combines essential coverages into one convenient package, providing comprehensive protection for small and mid-sized businesses. It typically includes General Liability and Commercial Property Insurance, with options to add coverage based on your specific needs.
A BOP may include:
• General Liability coverage
• Building and business property insurance
• Business interruption coverage
• Optional industry-specific endorsements
A BOP provides efficient, cost-effective protection designed to help keep your business running when unexpected events occur.
General Liability
General Liability Insurance provides essential protection for your business by helping cover claims involving bodily injury, property damage, and personal or advertising injury. Whether a customer is injured on your premises or a third party alleges damage caused by your operations, this coverage helps protect your business from costly legal and financial exposure.
What it helps protect against:
• Customer injuries on your premises
• Damage to a client's property
• Claims of libel, slander, or advertising injury
General Liability Insurance is a fundamental layer of protection for businesses of all sizes.
Professional Liability (Errors & Omissions)
Professional Liability Insurance, also known as Errors & Omissions (E&O) Insurance, helps protect your business against claims alleging financial loss resulting from an error, omission, or oversight in your professional services or advice.
Essential for:
• Consultants
• Advisors
• Service professionals
• Technical and licensed experts
E&O Insurance helps protect your reputation and financial stability when clients rely on your expertise and professional judgment.
Employment Practices Liability (EPLI)
Employment Practices Liability Insurance (EPLI) helps protect businesses against claims arising from workplace practices. Even organizations with strong policies and procedures can face allegations that result in significant legal and defense costs.
What it typically covers:
• Wrongful termination
• Discrimination
• Harassment
• Retaliation claims
• Failure to hire or promote
EPLI helps protect your business from the financial and reputational impact of employment-related claims.
Cyber Liability
Cyber Liability Insurance helps protect your business from financial losses resulting from cyberattacks, data breaches, and other technology-related incidents. As businesses become increasingly dependent on digital systems, this coverage has become essential for organizations of all sizes.
What it helps protect against:
• Data breach response and notification costs
• Ransomware and cyber extortion
• Business interruption resulting from cyber incidents
• Legal fees and regulatory penalties
• Recovery of compromised systems and data
Cyber Liability Insurance helps businesses respond quickly and effectively to today's evolving digital risks.