General Liability

In today’s world, everyone is quick to jump to legal action when damages or harm is caused to another person or property. General liability protects you against the broadest form of business-related actions that could cause harm to another business, individual or property. For example, if your business makes a broad statement that is inaccurate about a competitor and you are sued, your general liability policy would provide legal defense and claims settlements (provided you have the proper endorsements).

Errors & Omissions Insurance- E&O

When most people think of E&O insurance, they often equate it to professional services such as accountants or attorneys, while this is a true association it is not complete. Many businesses have exposure to errors and omissions, even general contractors can have exposure to E&O risk.

Employment Practices Liability Insurance- (EPLI)

While all business owners intend to do the right thing, sometimes we make mistakes, or hire people that do not meet our high level of standards. This can lead to complaints of sexual harassment, wrongful termination, employee law violation and much more. Having the proper coverage in place to protect you against both valid and frivolous EPLI claims is absolutely critical if your business has any employees.

Directors and Officers Insurance- (D&O)

A key and often omitted coverage for both businesses and nonprofits is Directors & Officers Insurance. This type of coverage is intended to protect individuals from personal financial losses if they are sued due their activity as an officer or director of a business or nonprofit.

D&O Insurance can protect against many types of claims but most broadly provide coverage for losses associated with a lawsuit including legal defense fees.