General Liability safeguards your business from injury to others that you are negligent for. For example, someone injures themselves when they fall on your premises, you cause damage to someone else’s property, or you damage 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 types of businesses that purchase this coverage include medical providers, attorneys, accountants, business consultants, technology consultants, financial planners, and printing companies.

Umbrella or Excess Liability coverage provides additional limits of liability over the 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.