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
• Up to 4 employees including owner
• Eligible for Retail and Service businesses

Businessowners

• Single location
• Eligible for Office, Mercantile, Processing & Services businesses
• Contents only
• Eligible States – See Coverage Territory below

Micro-Buisnessowners – Coverage Available

Technology Errors & Omissions (Tec-Guard)

• 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

Miscellaneous Professional Liability for Business Services

• Endorsements offers “true” professional liability coverage for claims resulting from the rendering or failure to render professional services, as described in the class code.
• Coverage is available for all Service classes, and particularly relevant for consultants, marketing professionals, accounting, and other service-based home businesses.
• Claims-made, includes a Deductible per claim, and no retroactive date, when purchased with Berkley Small Business.

Businessowners – Coverages Available

ISO BOP with expansions

Property Expansion Endorsment for BOP

• 45 Increased Limits of Insurance including
  • Accounts Receivable and Valuable Papers
  • Employee Theft (including ERISA)
  • Newly Acquired Property

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

Professional Liability Coverages

• Beauticians
• Barber and Hair Salon
• Funeral Directors
• Optical and Hearing Aid
• Veterinarian
• Printers Errors & Omissions (E&O)