We know that you cannot outrun your risk, but you can be ready for it. What if a hurricane causes you to lose power to your building and your operations cease, or if a fire severely damages your building? You shouldn’t have to pay for this yourself, and with the right protection, you won’t have to. Our insurance advisors can help you identify gaps in coverage, look for ways to save money, and keep your assets and income protected.
Errors and Omissions Liability Insurance (E&O)
Errors and omissions liability insurance protects any business that gives advice, makes educated recommendations, designs solutions or represents the needs of others. We’ll design coverage that will ensure that one simple mistake does not cause financial devastation.
Directors and Officers Liability Insurance (D&O)
Directors and officers liability insurance covers directors and officers for claims made against them while serving on a board of directors and/or as an officer. We’ll work with you to protect your organization’s greatest asset: your senior leadership.
Fiduciary Liability Insurance
Fiduciary liability insurance protects individuals acting as ERISA fiduciaries against fiduciary-related claims of mismanagement of a company’s employee benefit plan. We’ll work with you to ensure that employee benefits are handled responsibly and your trustees are protected.
Risk management goes beyond insurance in that it’s about planning for and mitigating potential business risks, aside from a policy that pays out when suffering a loss. The two work hand-in-hand together, but it’s important to understand that risk management is all about planning and strategizing for the long-term of your business.
Natural Disaster Insurance
Mother Nature can wreak havoc on your business anytime and anywhere. Because many of these occurrences can be catastrophic, there are often exclusions for them in standard business policies. Buying natural disaster insurance can provide additional protection.
Each industry has its own set of unique risks and requires specialized insurance to protect what matters most. Our insurance advisors have in-depth knowledge and experience with a variety of industries, including those featured below.
Construction Scaffolding and Access Insurance
The construction scaffolding and access industry has complex coverage needs that require multi-line coverages in order to protect your business. We can design a comprehensive solution for all the coverages you need, eliminating the confusion of obtaining coverages from multiple insurance carriers. We work with experienced underwriters who understand your industry.
Golf Course Insurance
Golf is a relaxing pastime that many people enjoy, but operating a golf course isn’t such a walk in the park! Specialty golf course insurance can protect your business from financial risks associated with property damage, extreme weather, liquor liability and much more.
Even though your organization’s goal is to help people, you are still running a business. That means your non-profit needs to protect itself against the risks that small business owners face. We’ll help you design a non-profit insurance policy that covers your organization’s unique needs.
Property Manager Insurance
If you manage residential or commercial properties, you face a diverse set of risks and potential losses. From liability issues to damage protection, we’ll help you navigate the world of property manager insurance and design coverage that’s a perfect fit.
For your guests, your hotel, motel, inn, or bed and breakfast is a home away from home. For you, it’s your livelihood. Having the proper hospitality insurance coverage to protect your business means taking care of what’s yours, as well as your guests and their belongings.
Dental Office Insurance
Your patients’ teeth are your top priority. You take pride in knowing you’re providing the best care possible of every person who walks through your door. Staying up to date on news and trends in dentistry should be top of mind, not your insurance policies.
Child Care Center Insurance
Parents trust child care centers with their children from the earliest days. As with any facility that caters to the care of young ones, there are special risks in addition to the ordinary risks of running a business. Our specialized insurance policies will keep you covered.
Landscaping Services Insurance
As a landscaper, you probably spend most of your day out with clients. While you’re on the road, the last thing you want on your mind is your insurance coverage. However, there are many reasons why a basic business insurance package just isn’t enough. A broad landscaping services insurance program needs to take your equipment, your employees, and your specialized risk into consideration.
Insuring a municipality can be complex. There are many different types of risks associated with running a city or township, including protecting its citizens. Keeping in mind what’s best for everyone and everything means having the proper coverage in place for every situation.
Pet Business Insurance
There are many different types of businesses in the pet industry. You might own a retail establishment, a non-profit that handles pet adoptions, a training business, or a grooming shop. You could even have a combination of specialties. Whatever services your business offers for pets and their owners, one thing is for certain. You need pet business insurance that offers coverage for the unique needs of your operation.
Adventure and Entertainment Insurance
Your adventure and entertainment business can take many different forms. Maybe you offer ATV tours and ropes courses. Maybe you offer kayaking and ziplining. No matter the activities you offer, there’s one thing your business is sure to have—risk. You need adventure and entertainment insurance that offers coverage for your operation’s unique needs.
Landlord and Rental Property Insurance
Because properties can vary greatly in many ways, an off-the-shelf insurance package won’t likely be the right fit. Your location, building specifics, and the number of dwelling units all may factor into your insurance policies. It’s important to understand the unique nature of your risks based on the type of property you are insuring.