Small Business Insurance Products – Other Insurance Products #income #protection #insurance

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Other Insurance Products

More ways to protect your business

As a business owner, you have a lot to protect. However, with an insurance policy that suits your unique needs and goals, you’ll have the peace of mind to focus on what really matters: building your business.

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Here are a few other ways we can help your small business stay protected:

Umbrella Liability Insurance

Sometimes your standard insurance isn’t quite enough. Umbrella Liability Insurance can supplement many of your existing plans to get coverage for major claims and lawsuits beyond the limits of your liability insurance.

For example, if a claim against your business exceeds the coverage limits of your policy, your business would have to cover that additional cost. But with Umbrella Liability Insurance, available in increments of $1 million, you’ll have extra coverage to help keep your business’s assets safe.

Cyber Liability Insurance

When you run a business, your customers rely on you to keep their information safe. From data breaches to software errors and malfunctioning IT solutions, a Cyber Liability Insurance policy can protect your business.

With coverage for the costs of your legal defense, court-ordered compensation, and other related expenses, Cyber Liability coverage is an important addition for most businesses. Our insurance professionals specialize in working with established businesses and start-ups. We can help you find a policy that navigates the biggest risks facing businesses in your industry, including client data breaches, lawsuits, and day-to-day business liabilities.

Directors and Officers Liability Insurance

Help your business attract top leadership talent with coverage that protects them against damages from fiduciary duty claims, claims by employees or competitors, and more.

With Directors Officers (D O) Liability Insurance, your business can protect your board members from lawsuits brought by third parties, employees, or regulatory bodies. This includes fiduciary duty claims, claims by employees, or claims by competitors or similar organizations.

Employment Practices Liability Insurance

Claims brought by employees can be difficult for many small businesses to manage. With settlements reaching the millions of dollars, and often little evidence available in cases, you need coverage that protects your assets and helps your company be prepared in case of a potentially damaging claim.

With Employment Practices Liability Insurance, you can protect your organization from claims brought by prospective, current, or former employees. In addition, a policy may reimburse the costs of judgments, settlements, or defending a lawsuit in court.

Here are a few of the types of claims that may be covered:

  • Discrimination
  • Harassment
  • Wrongful termination
  • Breach of employment contract
  • Mismanagement of employee benefits

Commercial Auto Insurance

Protect your employees when they’re behind the wheel with coverage for your business’s automobiles, trucks, and service vehicles. With Commercial Auto Insurance, you can get protection for damage to other vehicles, medical expenses, physical damage, and coverage against uninsured motorists.

Commercial Auto Insurance can cover nearly any type of vehicle, from cars to vans, and even ice cream trucks. In the case of an accident, it can help you pay nearly all the costs associated with the claim, all without draining your business’s assets.

Commercial Property Insurance

It takes a lot to run a small business — including computers, furniture, supplies, and inventory. If your business’s assets are damaged or stolen, it could be a huge challenge to replace them without interrupting your work.

When you purchase a Commercial Property Insurance policy, you can ensure your assets are covered, meaning you can get funds to repair or replace the assets that keep your business running. Our insurance professionals can help you understand the coverage you need, including replacement values, the difference between renting and owning a space, and knowing what your policy doesn’t cover.

Commercial Property Insurance covers assets like:

  • Office space owned by your business
  • Fixtures
  • Furnishings
  • Inventory
  • Supplies
  • Equipment

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