Commercial Products
General Liability
Occurrence Form (CG0001)
This form provides coverage for claims arising out of an accident which results in bodily injury or property damage neither expected nor intended. The form covers such claims that occur during the policy period regardless of when the claim is made against you.
Claims-Made Form (CG0002, 2201)
This coverage will provide protection for only those claims reported or first made during the policy period or during any previous period that is stated in the Prior Acts or Retroactive Date option of your policy. This option allows you to keep coverage in force under consecutive Claims-Made policies.
Package Policies
A commercial insurance package consists of at least two coverage parts (not including workers' compensation.
Business Automobile
Automobile Insurance is available to both commercial and personal entities. The insurance policy provides basically two types of protection:
- Automobile Liability Insurance: Protection for the insured against financial loss because of legal liability for car-related injuries to others or damage to their property.
- Automobile Physical Damage Insurance: Coverage to pay for damage to or loss of an insured automobile resulting from collision, fire, theft, or other perils
Workers Compensation
This coverage is used to comply with the Workers' Compensation Coverage required by your state law. Under this requirement, an employee can be compensated if they are injured while working for you, regardless of your negligence as an employer.
Disability (DBL)
A form of health insurance that provides periodic payments to replace income when an insured person is unable to work as a result of illness, injury, or disease.
Inland Marine
A broad type of insurance, generally covering articles that may be transported from one place to another as well as bridges, tunnels and other instrumentalities of transportation. It includes goods in transit (generally excepting trans-ocean) as well as numerous "floater" polices such as personal effects, personal property, jewelry, furs, fine art and others
Bonds
Umbrella Liability
This form provides a higher limit of coverage that is excess over scheduled underlying policies. It is used in one of three ways: (1) to provide additional limits of protection over the coverage listed in your underlying schedule, (2) to act as primary coverage if your underlying limits are exhausted, and (3) to provide coverage for some risks, subject to a retention, when your primary coverage does not.
Professional Liability
Malpractice - This coverage is used to insure against claims arising out of acts, errors or omissions in rendering or failing to render specified professional services or advice.
E & O - This coverage is used to insure against claims arising out of negligent acts, errors or omissions in the rendering or failing to render professional services of your occupation.
Directors and Officers Liability
This insurance is used to insure against claims arising from the negligent acts, errors, or omissions alleged to have been committed by present or former directors or officers of your corporation.
Employment Practices Liability
This insurance is used to protect against lawsuits by employees alleging wrongful termination, discrimination, harassment or other specified employment related exposures.
Consulting Services
