Types of Insurance


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Errors & Omissions (E&O)

This insurance provides a business with protection should a mistake have been made while delivering professional services. Your General Liability policy will not provide you with this level of protection, so if your company gives advice or provides contracting services you may need this insurance.

Umbrella Insurance

Umbrella Liability can be a great solution for a business that needs more liability coverage than what is offered in their General Liability, Employer’s Liability or Auto Liability Plan.

Example... Your consultancy services lead to several companies losing money, exceeding the limits of your professional liability policy. Umbrella Policy covers the remainder of the claim.

Inland Marine

This insurance protects goods in transit on land, as well as the property of others that is on your premises or being transported from your premises. An Inland Marine policy is crucial if your business ships goods of any kind on land.

Cyber Liability

This insurance covers a company in the event of a data breach in which sensitive customer information is leaked. These policies cover expenses, such as notification costs, credit monitoring, fines and penalties, defense costs, and loss resulting from identify theft.

Product Liability

This insurance covers a business should they need to recall one of their products. Product Recall Insurance will cover the cost of getting a defective product back under the control of the manufacturer or merchandiser that would be held responsible for bodily injury or property damage due to the existence of the product.

Directors & Officers (D&O)

EPLI is a liability insurance that covers wrongful acts, such as wrongful termination, discrimination, sexual harassment and retaliation. This insurance may also protect your business from other employee-related claims, such as deprivation of a career opportunity, defamation, invasion of privacy, failure to promote, and negligent evaluation.

Special Events

This insurance will provide you with coverage if you are throwing a special event. Special Events Insurance will cover claims of bodily injury, property damage and provides coverage for any contractors you hire.

Liquor Liability

Any business that sells alcoholic beverages can be held liable for damages or injuries caused by an overserved customer. Liquor Liability insurance protects businesses should things get out of control.

Surety Bond

A surety promises to pay the obligee an agreed upon amount if the principal fails to meet an obligation that was set forth by the obligee. This bond holds the principal liable for losses should they fail to fulfil their obligations.

Medical Malpractice

Medical Malpractice insurance protects medical professionals from liability associated with wrongful practices resulting in medical expenses and property damage, bodily injury, and legal costs related to patient claims.

Employment Practices Liability Insurance (EPLI)
Hired & Non-Owned Auto

If your company hires vehicles or your employees use company vehicles for business purposes, you will need this insurance. It will cover claims of personal injury and property damage should something go wrong on the job.


Many businesses choose Crime Insurance to allow them to file claims for internal theft or other offenses with the potential to cause financial problems.

Disability Insurance

Disability insurance offers protection to employees who are unable to work for a period of time due to a disability.

Health Insurance

Health insurance helps business owners to provide their employees with access to medical and surgical treatment. For business owners who employ with staff, understanding how coverage works is important.

Excess Liability

Excess liability insurance adds an extra layer of protection for losses that exceed the limits of your main policy. Excess liability insurance will provide higher limits on top of what you have.

Fiduciary Liability

Fiduciary Liability is insurance coverage for mistakes made in the management and provision of employee benefits. This includes retirement benefits like a 401K or pension plan, health insurance, and stock options

Management Liability

Management Liability is a customized bundle that meets the coverage needs of modern-day startups. It can save your business the expense of costly litigation and claims, as well as protect your company’s reputation.

Fiduciary Bond

A Fiduciary Bond your business’s retirement plan or pension fund from losses due to dishonesty or fraud while the liability coverage provides protection in the case of breach of fiduciary duty on the part of the plan managers.

Ocean Marine

Ocean Marine insurance protects cargo, vessels and other items that are being transported over water. The vessel owner and the cargo owner are covered under this type of insurance.

Garage Liability

Small businesses in the auto trade industry need Business Garage Insurance to protect them from a variety of risks, including injuries, mistakes or property damage.

Pollution Liability

This specialized insurance policy covers liability associated with pollution. An Environmental Impairment policy may also cover cleanup costs.

Business Interruption

Business Interruption Insurance covers you for lost income and continued operating expenses if your company has to vacate its location due to damage caused by a disaster, such as a fire.

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