Understanding Insurance Coverage

Property

Provides coverage for your structure and personal property. Optional coverage for business income, extra expense, equipment breakdown, limited water damage and other causes of loss are available.

Inland Marine

Coverage for your most valuable, rare or antique possessions, valuable papers and records, accounts receivable, watercraft, signs, theatrical property and much more.

General Liability

Protects your organization, employees and volunteers against claims of negligence involving bodily injury, property damage, personal and advertising injury, catastrophic violence and more.

Employment-Related Practices Liability

Protection for your directors, officers, trustees and other elected members of your governing board against allegations of discrimination, wrongful termination and sexual harassment.

Sexual Molestation or Misconduct

Provides liability protection for claims involving actual or alleged acts of sexual misconduct or molestation.

Crime

Coverage to protect your organization from criminal acts, including theft of money and securities, employee theft, fraud and forgery, and alterations.

Management Liability

Protection for your directors, officers, trustees and other elected members of your governing board against allegations of wrongful acts.

Commercial Auto

Coverage against financial loss in the event of an automobile accident or theft.

Professional Liability

A variety of professional liability coverages are available to cover actual or alleged negligent acts and issues related to rendering professional services.

Workers’ Compensation

Supports your employees should they be injured in the course of their employment.

Cyber Liability

Financial protection against cyber liability and the ever-increasing threat of data breaches.

Umbrella

Designed to protect your organization from major claims, providing higher limits of insurance for such things as general and automobile liability exposure.