Our Available Coverages

We offer superior service to our partner brokers and agents while providing a quality insurance solution to those preferred customers who qualify for our product guidelines.

Micro-Businessowners

• Home-based and shared space businesses
• Business Personal Property limit between $2,500 to $25,000
• Annual revenue up to $500,000

Businessowners

• Up to 10 locations
• Total property limit $15M
• Annual revenue up to $10M

ISO Forms

• Retail or Service Endorsements for micro-BOP
• Hired & Non-Owned Auto Liability for BOP
• Employee Benefits Liability
• Professional Liability Coverages
  • Beauticians
  • Barber and Hair Salon
  • Funeral Directors
  • Optical and Hearing Aid
  • Veterinarian
  • Printers Errors & Omissions (E&O)

Proprietary Forms

Technology Error & Omissions (Tec-Guard) for micro-BOP

• Computer system includes telephone system, data storage devices, networking equipment
• Technology incident means error, act or omission, actual or allegedly made, by any Insured
  • Rendering or failure to render Technology Service to others, or
  • Failure of Technology Products to perform the function or serve the purpose intended
• Automatic Extended Reporting Period – 12 consecutive months

Liability Expansion Endorsement for BOP

• Additional Insured status built into form
• Damage to Premises Rented to You increased limit – $1,000,000
• Medical Expense increased limit – $10,000
• Primary & Non-Contributory
• Waiver of Subrogation required by contract

Cyber

• First party coverages – Privacy Breach expenses, Extortion, Funds Transfer Fraud
• Third party coverages – Media, Network Security, Data Compromise
• Duty to Defend

Workplace Violence

• Expenses and Business Interruption
• Crisis Management Services
• Education Portal & Risk Management
• No limitation on type of weapon

Employment Practices Liability (EPLI)

• Duty to Defend
• Discrimination based on age, gender, race, color, national origin, religion, sexual orientation or preference, pregnancy or disability
• Libel, slander, humiliation, mental anguish
• Harassment or coercion

Equipment Breakdown

• Mechanical breakdown
• Electrical or electronic breakdown
• Artificially generated electrical current, including electrical arcing
• Spoilage of “perishable goods” resulting from lack of power, light, heat … caused by Equipment Breakdown