General Liability safeguards your business from injury to others you are negligent for. For example, someone is injured falling on your premises, you cause damage to someone else’s property or to the premises you rent.

Professional Liability Insurance provides coverage for a business that makes an error or omission in their advice to another party. Typical professions that purchase this coverage include medical providers, attorneys, accountants, business consultants, technology consultants, financial planners, and printers.

Umbrella or Excess Liability coverage provides additional limits of liability over underlying General Liability, Auto Liability, Employer Liability, and Professional Liability limits.

Cyber /Privacy Breach Liability provides protection for a business if their customers’ data is accessed by an outside party, a breach of their computer system, lost or stolen laptop, or access to confidential papers.

Directors & Officers Liability provides protection for the individual directors or officers of an organization for wrongful acts resulting from their duties.

Employment Practices Liability protects a business if an employee alleges they were wrongfully terminated, sexually harassed, harmed for being a whistle-blower, and negligent hiring or promotion.

Employee Benefits Liability protects a business if they make an error in providing employee benefits to their employees. For example, an employee was not added to a group health insurance plan and a sickness occurred which was not covered or an employer fails to offer benefits to an employee when eligible and becomes liable for all medical expense until open enrollment.