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  • Bond Insurance– This product can also be called financial guarantee  It is a type of insurance where the insurance company guarantees scheduled pay outs of interest and principal on a purchased bond or other security if there is a payment default by the issuer of the bond or security.
  • Builders Risk Insurance-is insurance coverage that protects a contractor, person or business’s insurable assets in materials, fixtures and/or equipment being used in the construction or renovation of a building or structure should those assets sustain physical loss or damage from an incident that is covered by the policy.
  • Business Auto Insurance– Business owner’s policies do not typically cover a business owner’s vehicles. Business Auto Liability insurance is the minimum that one should have to cover a vehicle that is being operated for the business. Your personal auto policy provides coverage for some business use of your vehicle. Similarly, your employees’ personal auto policies cover some business use of their vehicles too. The amount of coverage in the business auto policy can be either deep or wide, depending on the options you choose. It could be written to apply only to one specifically described auto. Or, for broader coverage, the policy could be written to apply to the named insured’s liability exposures arising out of the use of any auto.
  • Business Owner’s Policy-Insurance companies selling business insurance offer policies that combine protection from all major property and liability risks in one package. We also sell coverages separately. One package purchased by small and mid-sized businesses is the business owners policy.  Many policies cover property insurance for buildings and the contents owned by the business, business interruption insurance for loss of revenue, and Liability protection, which covers your company’s legal responsibility for the harm it may cause to others.
  • Commercial General Liability-A general liability insurance policy provides financial protection from the risks that any business owner might incur. A standard insurance policy issued to business organizations to protect them against liability claims for bodily injury and property damage arising on the premises, during operations, on products, and completed operations.  Also includes personal and advertising injury.
  • Commercial Package Policy-if your company is growing in size and complexity—or you face specialized risks due to the nature of your business—you may want to consider purchasing a Commercial Package Policy.  Commercial Package Policies are available for a wide range of businesses, and can be better customized to the specific needs of your business.  Commercial Package Policies are available for a wide range of businesses, and can be better customized to the specific needs of your business.  Policies can include the following  products:  Property insurance, general liability insurance, business income insurance, business vehicle insurance, business crime insurance, commercial umbrella liability, electronic data processing insurance, equipment breakdown insurance, employment practices liability, and but not limited to pollution liability.
  • Commercial Property Insurance– Commercial property insurance helps businesses, including farms and ranches, pay to repair or replace property that was damaged by a fire, storm, or other event covered by the policy. It also pays to replace stolen or lost property. Basic policies cover common perils like fires and storms whereas Broad Policies can cover common perils, as well as things like water damage; structural collapse; sprinkler leakage; and damage caused by ice, sleet, or weight of snow.  Special policies cover all types of events except those the policy specifically excludes. Typical exclusions include damages from flood, earth movement, war, terrorism, nuclear disaster, wear and tear, and insects and vermin.
  • Commercial Umbrella Insurance– A commercial liability umbrella policy can augment your existing business policy with supplementary liability protection against financial losses stemming from lawsuits and accidents. Typical commercial liability umbrella policies pick up liability coverage where your business policy ends and fills in the gaps.
  • Contractors Liability-In many instances contractors are left out of the game when it comes to insurance. Employment laws such as worker’s compensation don’t apply to contractors. But this shouldn’t be taken as a signal to overlook contractor liability insurance.  If you are a business operator with contract workers or a homeowner who just contracted someone to do work on your house, then you will want to hire contractors who have the coverage that will protect you from liability related to on the job accidents, products sold by the contractors, and other forms of liability.  If you are a contractor, that means contractor liability insurance is advantageous for you from a business perspective.
  • Director and Officers Liability Insurance-is liability insurance payable to the directors and officers of a company, or to the organization(s) itself, as indemnification (reimbursement) for losses or advancement of defense costs in the event an insured suffers such a loss as a result of a legal brought for alleged wrongful acts in their capacity as directors and officers. Such coverage can extend to defense costs arising out of criminal and regulatory investigations or trials and also if civil and criminal actions are brought against directors or officers simultaneously. Intentional illegal acts are typically not covered under this type of policy.
  • Errors and Omissions Insurance– This can also be called professional indemnity insurance in the US.  It is a form of liability insurance that helps protect professional advice and service, providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit. The coverage focuses on alleged failure to perform on the part of, financial loss caused by, an error or omission in the service or product sold by the policyholder. These sometimes are the cause for legal action that would not be covered by a more general liability insurance policy which addresses more direct forms of harm. This type of policy sometimes also provides for the defense costs, including when legal action turns out to be groundless. Coverage does not typically include criminal prosecution, nor a wide range of potential liabilities under civil law that are not enumerated in the policy, but which may be subject to other forms of insurance.  In some states Errors and Omissions Insurance is required for certain kinds of professional practices, most commonly medical and legal practices, and is also sometimes required under contract by other businesses that are the beneficiaries of the advice or service.
  • Garage Keepers Legal Liability Insurance– This a type of coverage that is an optional coverage designed for business owners who offer towing services or operate service stations. It protects a customer’s vehicle when you are keeping it at a covered location for parking or storing, or to perform service.
  • Landlord Package Insurance– Landlord’s face special risks that require special insurance protection. Landlord Package Insurance is primarily designed to protect you from loss to a rental property and should provide adequate insurance limits to protect your other assets from legal liability arising from rental activities.
  • Liquor Liability Insurance– Any establishment that sells, serves, or assists in the purchase or use of liquor opens its doors for a liability claim as a consequence of someone getting drunk to the extent that injuries or property damages are the result. This includes restaurants, bars, nightclubs, and taverns. Liquor liability coverage typically is added on as a policy endorsement. The cost of this add-on depends on the size of the liquor establishment and the number of persons served.
  • Professional Liability Insurance– Professional liability insurance may take on different forms and names depending on the profession. For example, in reference to medical professions it is called malpractice insurance, while errors and omissions (E&O) insurance is used by insurance agents, consultants, brokers and lawyers. Other professions that commonly purchase professional liability insurance include accounting, engineering and financial services, construction and maintenance (general contractors, plumbers, etc., many of whom are also surety bonded), and transport. Some charities and other nonprofits/NGOs are also professional-liability insured.
  • Special Events Insurance– Special Event Liability Insurance  is an insurance policy designed to provide broad protection for events in which an event host or concessionaire must defend itself against lawsuits or pay damages for bodily injury or property damage to third parties. Host liquor liability is included if there is no transfer of money for alcohol. This policy also gives protection to the venue and or sponsors of the event by adding them to the policy as an additional insured. An example of a claim might be for a slip and fall or if the floors were damaged during an event.
  • Workers Compensation Insurance– Workers’ compensation insurance is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue his or her employer for the tort of negligence.

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