Property coverages include:

• Real Property
• Personal Property
• Mobile Equipment/Boats
• Accounts Receivable
• Extra Expense
• Business Income
• Valuable Papers

Equipment breakdown is included for real and personal property exposures and electronic data processing equipment is included for personal property exposures.

We also offer bond coverage including:

• • Inside the Premises – Theft of Money & Securities (Theft, Disappearance & Destruction)
  • Inside the Premises – Robbery or Safe Burglary of Other Property
  • Outside the Premises – Theft of Money & Securities (Theft, Disappearance & Destruction)
  • Employee Theft
  • Faithful Performance
  • Forgery or Alteration
  • Computer and Funds Transfer Fraud
  • Money Orders and Counterfeit Money

Various deductibles are available for all these coverages.  Deductibles only apply to damages, not claim expenses.

General Liability coverages include:

• Premises Liability
• Personal Injury
• Advertising Injury
• Product Liability
• Completed Operations
• Fire Legal Liability
• Broad Form Property Damage
• Cyber Liability

Professional Liability includes:

• Public Officials Errors and Omissions
• Wrongful Employment Practices Liability
• Employee Benefits Administration
• Medical Attendants/Medical Directors
• Law Enforcement Liability

Additional benefits include:

• No aggregate limits on virtually all coverages
• Defense costs paid in addition to policy limits
• Legal expenses are outside the deductible
• Coverage includes access to Employment Law tools via phone and online
• Coverage includes Cyber risk management tools via phone and online