Commercial Insurance

Property

Property

Coverage protecting the insured against loss or damage to real or personal property from a variety of perils

Liability

Liability

The obligation to pay a monetary award for injury or damage caused by one’s negligence

Business Auto

Business Auto

Commercial auto policy that includes auto liability and auto physical damage coverages. The business auto policy (BAP) addresses the needs of most commercial entities as respects auto insurance

Worker's Compensation

Worker's Compensation

The system by which no-fault statutory benefits prescribed in state law are provided by an employer to an employee (or the employee’s family) due to a job-related injury (including death) resulting from an accident or occupational disease

Inland Marine

Inland Marine

Property insurance for property in transit over land. As a group, inland marine coverage forms are generally broader than property coverage forms.

Directors & Officers

Directors & Officers

A type of liability insurance covering directors and officers for claims made against them while serving on a board of directors and/or as an officer.

Errors & Omissions / Professional Liability

Errors & Omissions/Professional Liability

An insurance form that protects the insured against liability for committing an error or omission in performance of professional duties. Generally, such policies are designed to cover financial losses.

Cyber

Cyber

A term used to describe the liability exposures encountered when communicating or conducting business online. Potential liabilities arising from the internet or email.  Used to cover claims alleging breaches of privacy rights, infringement or misappropriation of intellectual property, employment discrimination, violations of obscenity laws, the spreading of computer viruses, and defamation.

Umbrella/Excess

Umbrella/Excess

A policy designed to provide protection against catastrophic losses. It generally is written over various primary liability policies, such as the business auto policy (BAP), commercial general liability (CGL) policy, watercraft and aircraft liability policies, and employers liability coverage.