
Garlic Insurance
Follow CompanyPrograms
Company Overview
News
Applications
-
EPLI Insurance
Employment Practices Liability Insurance (EPLI) offers crucial protection by covering businesses against claims made by employees alleging violations of their legal rights within the workplace.
EPLI is a fundamental aspect of risk management in today’s workplace, and we’re here to offer tailored solutions to understand the policy’s and keep your clients business safe.
EPLI shields businesses from the financial fallout of employee lawsuits. These lawsuits can encompass various allegations, including sexual harassment, discrimination, wrongful termination, breach of employment contract, negligent evaluation, failure to employ or promote, wrongful discipline, deprivation of career opportunity, wrongful infliction of emotional distress, and mismanagement of employee benefit plans.
EPLI insurance Faq
What’s a good example for a business that needs EPLI insurance?
A company has recently hired a significant number of employees to meet the demands of expanding projects and new clients. With more employees, there is an increased risk of employment-related disputes, such as allegations of wrongful termination, discrimination, or harassment.
When is EPLI Insurance Necessary?
EPLI Insurance is essential for businesses of all sizes, as the number of employee lawsuits continues to rise across industries. While larger corporations often face such legal challenges, smaller companies are not immune. Recognizing this need, insurers now offer EPLI coverage either as an endorsement to Businessowners Policies (BOP) or as standalone coverage, adjusting the terms and conditions of the policy to include protection against employee-related claims.
View Program PageAvailability in 50 StatesPollution Liability
Pollution liability overview
Pollution liability insurance is a vital safeguard for businesses dealing with hazardous materials or operations that pose environmental risks. This type of insurance covers a wide range of liabilities associated with pollution incidents, providing financial protection and legal support in case of environmental damage or contamination.
Who Needs Pollution Liability Insurance?
Manufacturing Companies
- Businesses involved in manufacturing processes that generate waste or emissions, such as chemical manufacturers, factories, and production facilities.
Construction and Demolition Contractors:
- Construction companies and contractors working with demolition, excavation, or hazardous materials disposal.
Waste Management Services:
- Waste disposal and recycling facilities, landfill operators, and waste treatment plants.
Oil and Gas Industry
- Oil refineries, drilling operations, gas stations, and petroleum distribution companies.
Cyber insurance Faq
What types of pollution incidents does pollution liability insurance cover?
Pollution liability insurance covers a wide range of incidents, including chemical spills, air emissions, water contamination, hazardous waste disposal, and soil contamination.
Do small businesses need pollution liability insurance?
Yes, small businesses handling hazardous materials, waste, or operations with environmental risks should consider pollution liability insurance to protect against potential legal and financial liabilities.
Is pollution liability insurance required by law?
While not always mandatory, certain industries or businesses operating in environmentally sensitive areas may be required by federal or state regulations to carry pollution liability insurance as part of their compliance obligations.
Can pollution liability insurance cover historical pollution events?
Some policies may include coverage for historical pollution events or pre-existing contamination, depending on the terms and conditions of the insurance policy.
Does pollution liability insurance cover fines and penalties from regulatory agencies?
Yes, pollution liability insurance can provide coverage for regulatory fines, penalties, and compliance costs resulting from environmental violations, subject to policy limits and exclusions.
View Program PageAvailability in 50 StatesCrime Insurance
Crime insurance policies are designed to safeguard your clients’ financial security by offering coverage against theft, employee dishonesty, forgery, and fraud.
With Garlic Insurance as your partner
You can offer your clients comprehensive protection that goes beyond traditional insurance solutions. Our team of experts is committed to tailoring Crime Insurance policies that align with your clients’ specific risks and requirements. Partner with us to enhance your portfolio and provide your clients with the peace of mind they deserve.
Crime insurance overview
Crime insurance coverage can typically be needed by a wide range of businesses and organizations, especially those that handle cash, financial transactions, or sensitive data. Here’s an example of a business that might require crime liability:
Imagine you own a retail store with several employees who handle cash transactions on a daily basis. One of your trusted employees, a cashier, decides to engage in dishonest activities. Over a period, this employee repeatedly steals cash from the cash register and manipulates the sales records to cover up the theft.
In this scenario, Employee Dishonesty coverage would come into play. It could help protect your business from financial losses caused by the dishonest actions of your employee. The coverage might reimburse you for the stolen funds and the costs associated with investigating the fraud.
This type of coverage is not limited to retail stores; it’s applicable to various businesses, including restaurants, hotels, financial institutions, and more. Crime insurance coverage is essential because, unfortunately, instances of employee theft and fraud can occur in any industry where employees have access to cash or valuable assets.
It provides peace of mind to business owners by offering financial protection against the actions of dishonest employees, helping to mitigate the impact of such incidents on the business’s bottom line.
Types of crime insurance
Employee Dishonesty:
Employee dishonesty coverage protects businesses from financial losses caused by dishonest acts committed by their employees. This can include theft, embezzlement, forgery, or any other fraudulent activities. For example, if an employee embezzles funds from the company, resulting in a financial loss, this coverage can help reimburse the company for the stolen amount.
Money and Securities:
Money and securities coverage provides protection for losses related to physical cash, checks, and other negotiable instruments, as well as securities such as stocks and bonds. This coverage can be important for businesses that handle large amounts of cash or valuable securities. If cash or securities are stolen, damaged, or lost in a covered event, this insurance can help recoup the financial loss.
Money Orders and Counterfeit Money:
This coverage specifically deals with losses incurred due to counterfeit currency or forged money orders. If a business unknowingly accepts counterfeit currency or forged money orders, resulting in a financial loss, this insurance can provide reimbursement for the counterfeit or forged amounts.
Funds Transfer Fraud:
Funds transfer fraud insurance protects against financial losses resulting from fraudulent electronic funds transfers. This can include unauthorized wire transfers or other electronic transactions initiated by cybercriminals. If a business falls victim to such a fraud, this coverage can help recover the stolen funds.
Computer Fraud:
Computer fraud coverage is designed to protect against losses caused by fraudulent or criminal activities involving a company’s computer systems or networks. This includes situations where cybercriminals gain unauthorized access to a company’s computer system and conduct fraudulent transactions. If a business experiences financial losses due to computer-related fraud, this insurance can provide compensation.
Crime insurance Faq
Does crime insurance cover losses from employee negligence or errors?
- Crime insurance primarily covers losses resulting from intentional dishonest acts by employees. It typically does not cover losses due to employee negligence, errors, or mistakes. Businesses may need separate insurance coverage, such as professional liability insurance, to address these risks.
Can crime insurance protect against cybercrimes like phishing or ransomware attacks?
- While crime insurance may include coverage for certain types of cybercrimes, such as funds transfer fraud or computer fraud, it’s essential to review the policy details. Specific cyber insurance policies often provide more comprehensive protection against cyber threats like phishing, ransomware, data breaches, and cyber extortion.
What documentation is required when filing a crime insurance claim?
- When filing a crime insurance claim, businesses typically need to provide documentation such as police reports, evidence of the dishonest act or fraud, financial records showing the extent of the loss, and any relevant contracts or agreements. Insurance companies may have specific requirements for claim documentation.
Can crime insurance cover losses incurred from external theft or burglary?
- Crime insurance policies can include coverage for losses resulting from external theft, burglary, or robbery. This coverage may extend to stolen cash, securities, or other valuable assets. However, the policy terms and coverage limits should be reviewed carefully to understand the extent of protection against external theft incidents.
Does crime insurance protect against employee-related lawsuits or legal actions?
- Crime insurance primarily focuses on financial losses caused by dishonest acts of employees. It typically does not provide coverage for employee-related lawsuits, legal actions, or employment practices liabilities. For coverage against such risks, businesses may need additional insurance, such as employment practices liability insurance (EPLI) or directors and officers (D&O) insurance.
View Program PageAvailability in 50 StatesMarine & Cargo Insurance
Marine & Cargo Insurance provides comprehensive coverage for goods transported over water, protecting businesses from financial losses due to damage, theft, or unforeseen maritime risks. Whether you are a shipper, consignee, or logistics provider, this policy ensures your cargo reaches its destination securely.
Who Needs This Insurance?
- Importers & Exporters
- Freight Forwarders
- Logistics Companies
- Manufacturers
- Distributors
Common Risks Covered:
Weather-related damages (storms, hurricanes, rough seas)Fire & ExplosionsTheft & PiracyAccidents & CollisionsContainer loss or damage
What Marine & Cargo Insurance covers
Cyber insurance goes beyond just covering legal fees and expenses. It typically assists with:
All-Risk Coverage
Protection against a wide range of perils, except those explicitly excluded in the policy.
Named Perils Coverage
Covers specific risks such as sinking, theft, fire, and collision.
Warehouse-to-Warehouse Coverage
Extends protection from the point of origin to the final destination, including storage in transit.
General Average
Covers shared financial losses if cargo is intentionally sacrificed to save the vessel.
Marine & Cargo Insurance Faq
What is not covered under Marine & Cargo Insurance?
- Exclusions may include war risks, inherent vice (natural deterioration), and delay losses unless specifically included in the policy.
Can this insurance cover inland transport as well?
- Yes, with the right policy, coverage can extend to inland transportation after cargo reaches the port.
How is the premium calculated?
- Premiums depend on factors such as cargo type, value, route, and transportation mode.
View Program PageAvailability in 50 StatesCyber Insurance
Coverages Offered :Data RecoveryCyber
As businesses increasingly rely on digital systems and handle sensitive customer information, the need for robust cyber insurance coverage has never been greater.
In today’s digital age, a data breach isn’t just a technical issue—it can also tarnish your brand’s reputation and compromise sensitive customer information. This is where cyber insurance is a crucial safeguard for businesses of all sizes.
What cyber insurance covers:
Cyber insurance goes beyond just covering legal fees and expenses. It typically assists with:
- Customer Notification
- Informing customers about a data breach is often mandatory and can be costly. Cyber insurance helps cover the expenses associated with notifying affected individuals.
- Identity Restoration
- If customers’ personal identities are compromised due to a breach, cyber insurance can help with the process of restoring their identities and protecting their credit history.
- Data Recovery
- Recovering compromised data is crucial after a breach. Cyber insurance can cover the costs of data restoration efforts.
- System Repairs
- Breaches can damage computer systems. Cyber insurance helps cover the expenses of repairing and restoring these systems to normal functionality.
View Program PageAvailability in 50 States -
Garlic Insurance
At Garlic Insurance, our journey is rooted in a shared passion for revolutionizing the insurance landscape. Guided by our core values of trust, transparency, and innovation, we’re here to simplify insurance, make it personal, and provide you with the peace of mind you deserve. Let’s embark on this journey together!
Why Choose Garlic Insurance
- Exceptional Service
- Our dedicated customer support team is here to assist you every step of the way. From technical inquiries to policy guidance, we’re just a click or call away
- Innovative Technology
- Our cutting-edge platform is designed to simplify every step of the insurance journey. From browsing policies to finalizing purchases, our technology ensures a smooth and efficient experience.
- Broker-Centric Approach
- At Garlic Insurance, brokers are at the heart of what we do. We’re committed to supporting your growth, success, and client satisfaction.
- Unrivaled Network
- We’ve cultivated partnerships with leading insurance providers, giving you access to an extensive range of policies and coverage options.
- Exceptional Service
-
News Releases
-
Applications and Informational PDFs
Contact Garlic Insurance
Log-in to ProgramBusiness to contact Garlic Insurance
LoginDon’t have a log-in? Register for free here.
ProgramBusiness is 100% free for agents and agencies.
Registered users can submit ACORDs, loss runs, etc to quickly receive quotes from multiple markets or the market of your choice.