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General Liability (GL) insurance, sometimes called small business insurance or commercial liability insurance, provides insurance coverage for your business against claims made by others including bodily injury, damage to property, or personal injury.

• interact with clients face to face 
• have access to customer's property 
• use advertising to market your company
• use third-party locations for any business-related activities
• enter into contracts that require general liability insurance.

• bodily injury
• damage to third-party property
• personal injury
• advertising injury
• electronic data liability
• medical expenses
• defense costs
• actions of your full-time employees and temporary staff
• supplemental payments
• worldwide insurance coverage.

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• personally identifiable information
• use of vehicles and boats
• your property
• professional services
• employee injury.

Professional liability insurance, also called errors and omissions (E&O) or indemnity insurance, protects your business if you are sued for negligently performing your services, even if you haven’t made a mistake.

• provides a professional service
• regularly gives advice to clients 
• is requested by a client to have professional liability insurance to complete a contract.

• alleged or actual negligence
• defense costs
• personal injury (e.g., libel or slander)
• temporary staff and independent contractors
• claims arising from services provided in the past
• worldwide coverage
• claims and damages.

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• bodily injury or property damage
• fraudulent acts
• employment matters
• false advertising
• personally identifiable information
• other services.

A Business Owners Policy (BOP) is an enhanced insurance policy that combines general liability insurance and property insurance.

• needs general liability insurance coverage
• has business equipment such as computers, printers and furniture
• owns the building at which your work and need to insure the property
• owns and works with large amounts of data on a regular basis
• has employees who could act dishonestly or steal clients' property.

• general liability 
• property liability.

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• certain claims, including those arising from professional services you perform
• client damages if you provide inaccurate or incomplete advice to a client.

Cyber security insurance protects businesses against computer-related crimes and losses. This can include targeted attacks, such as malware and phishing, as well as the occasional misplaced laptop containing confidential material.

• accepts credit cards or other digital payment types
• uses computers and mobile devices
• stores confidential customer information
• keeps medical or financial data.

• lost business revenue and data recovery costs due to a breach or extortion threat
• money lost due to a fraudulent instruction by a third party (known as phishing)
• defense against privacy lawsuits and regulatory fines
• and more...

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• phishing email leads to ransomware
• media firm experiences a breach of client information.

Short-term liability insurance provides protection against claims and lawsuits for a specific period of time, whether that's months, weeks, days or even hours.

• has a short-term project that requires insurance coverage
• is bidding on a project that requires more insurance coverage than you currently have
• is seasonal and only needs coverage for certain times of year.

Short-term liability insurance provides coverage for a specific period of time.

There are two types:

• on demand coverage is insurance for a certain time period, whether that is hours, days, weeks or months.
• monthly renewable coverage is a policy you purchase for a month, with automatic renewals each subsequent month until you cancel.

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• damage to expensive plantings
• negligence in performing services.

Malpractice (also called medical professional E&O) insurance provides protection against claims and lawsuits arising from services related to patient care. This coverage goes beyond traditional general liability insurance to include errors and omissions.

• Provides direct patient care
• Consults on or monitors patient care
• Rents out, sells, or services medical equipment
• Employs or contracts with healthcare workers.

• Professional Liability
• General Liability
• Workplace Liability
• Healthcare Insurance Portability and Accountability Act (“HIPAA”) Fines and Penalties, and Notication Costs
• Coverage extends to employees and independent contractors
• and more...

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• A patient falls while being transferred from the bed to their wheelchair
• A patient dies during a routine procedure and the family sues
• A visitor slips on a wet floor and is injured.

Workers Compensation Insurance covers the costs associated with a work-related accident or illness. If an employee becomes ill, is injured, or even dies on the job, Workers Compensation Insurance can cover medical costs and lost wages.

Workers Compensation Insurance is mandatory in nearly every state.

Has W-2 employees, including part-time or seasonal workers. Penalties apply in most states if you have employees and do not carry Workers Compensation Insurance.

• Medical costs incurred by an employee who is injured or becomes ill on the job.
• Lost wages while an employee recovers from a work-related illness or injury.
• Death of an employee on the job.

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• An employee drops a box on their foot and breaks three toes. Insurance covers their medical costs and wages while they recuperate.
• A computer technician slips a disk in their back while trying to install a server. Medical costs and lost wages are covered by insurance.

Commercial Auto Insurance includes coverage for physical damage to owned, rented, hired or employee vehicles and medical costs for you, your employees and any other passengers, as well as auto liability coverage.

Umbrella Insurance provides increased policy limits, above the primary liability limits in the case of large claims. Upgrade your coverage to this premium policy to protect against excessive liability.

• employment practices liability insurance
• directors & officers insurance