“You are bilingual, you speak insurance and English.”
Below you will find some of the common lines of coverage in which we specialize. We are not limited to these options so please feel free to get in touch with us to discuss other types of coverage.
Property and Casualty- Commercial property and casualty insurance may provide coverage for a wide range of negligent acts which result in bodily injury, property damage, personal injury or advertising injury to a third party. This is typically the “core” coverage for a nonprofit. We provide this on an “occurrence” policy, not a “claims-made” policy.
Workers Compensation- Insurance that protects employees under state laws, and provides medical care, death, disability and rehabilitation benefits for workers who are injured or killed while on the job.
Property coverage- Is purchased to protect the physical assets you own or lease such as buildings, office equipment, computers, furniture, ect. When considering property coverage, it is important to have a through inventory of all physical assets, and to make sure the property is accurately valued and adequate coverage limits are purchased.
Participant/Volunteer Accident- Accident insurance provides a limited amount of coverage for injury to a volunteer or participant (depending on the specific coverage purchased) on a no-fault basis. It is not worker's compensation coverage!
Bond Fiduciary/Fidelity - Provides A fidelity bond provides coverage for dishonest and/or fraudulent acts of employees that could arise in the course of handling money or securities of others. A fidelity bond may also be referred to as an employee dishonesty bond.
Hired Auto & Non-Owned Auto - If your employees or volunteers use their own vehicles on company business. this coverage is highly recommended. The purpose of this policy is to provide liability coverage in excess of an individual employee's or volunteer's auto insurance.
General Liability- provides coverage for your activities
Directors and 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. In effect, the policies function as "management errors and omissions liability insurance," covering claims resulting from managerial decisions that have adverse financial consequences.
Non-profit Unemployment Savings Program-
(non-profit only)
Employment Practices Liability- A type of liability insurance covering wrongful acts arising from the employment process. The most frequent types of claims covered under such policies include: wrongful termination, discrimination, sexual harassment, and retaliation.
Cyber Liability - The cyber liability term "cyber liability insurance cover" is often used to describe a range of covers- in very much the same way that the word cyber is used to describe a broad range of information security related tools, processes and services.
Vacant Property- Provides coverage for buildings that are unoccupied for 90 days or more
Special Event Coverage- In its simplest definition, special event coverage is general liability insurance for injury to spectators or attendees at a wide variety of social, civic and club events.
Liquor Liability - Provides coverage for bodily injury or property damage for which you may become legally liable as a result of contributing to a person's intoxication.
Professional Liability- Insurance is a necessary safeguard for any businesses that offers guidance counsel, or services to clients.
Commercial Auto- coverage may include liability only or may also provide physical damage coverage. The liability portion covers damage to other vehicles or property and injury to others in accidents for which you are at-fault. Auto physical damage covers repair of vehicles you own.
Travel Accident and Travel Medicine- Travel insurance is that is intended to cover medical expenses, trip cancellation, lost luggage, flight accident and other losses incurred while traveling, either internationally or within one's own country.
Plate Glass Coverage -
The extensive use of plate glass in modern architecture has produced a special comprehensive insurance that covers not only plate glass but glass signs, motion picture screens, halftone screens, and lenses, glass bricks, glass doors, and so forth. It may be written to cover loss from any source except fire or nuclear radiation.
Crime- A commercial crime policy typically provides several different types of crime coverage, such as: employee dishonesty coverage; forgery or alteration coverage; computer fraud coverage; funds transfer fraud coverage.
- Group medical
- Dental
- Life
- Short term disability
- Long term disability
- Vision
Benefits from: