Coverage Specialization
Worker’s Compensation
Workers' compensation insurance is designed to provide financial protection for employees who suffer work-related injuries or illnesses. This coverage typically includes medical expenses, rehabilitation costs, and a portion of lost wages for the injured or ill employee. Additionally, workers' compensation often protects employers from lawsuits filed by injured workers, creating a crucial safety net for both employees and businesses in the event of workplace accidents or health issues.
General Liability and Business Owner’s Coverage
General liability insurance provides coverage for businesses and individuals against third-party claims for bodily injury, property damage, and personal or advertising injury. This type of insurance helps protect policyholders from the financial consequences of legal actions brought by third parties, such as customers, vendors, or visitors, arising from accidents or alleged negligence. General liability coverage typically includes legal defense costs, medical expenses, and settlements or judgments, offering a comprehensive safeguard against various liability risks.
Commercial Auto/Fleet
Trucking/Transportation and Cargo
Commercial auto insurance provides coverage for vehicles used for business purposes. This type of insurance is designed to protect businesses from financial losses associated with accidents, injuries, and property damage involving company-owned vehicles. Here is a brief overview of what commercial auto insurance typically covers:
Liability Coverage: This covers bodily injury or property damage that the insured party is legally responsible for as a result of an auto accident. It includes medical expenses, legal fees, and damages awarded in a lawsuit.
Collision Coverage: This pays for the repair or replacement of the insured vehicle in case of a collision with another vehicle or object, regardless of who is at fault.
Comprehensive Coverage: This provides coverage for non-collision events, such as theft, vandalism, natural disasters, or collisions with animals.
Medical Payments Coverage: This covers medical expenses for the driver and passengers of the insured vehicle, regardless of fault, in the event of an accident.
Uninsured/Underinsured Motorist Coverage: This protects the insured party if they are involved in an accident with a driver who either has no insurance or insufficient insurance to cover the damages.
Hired and Non-Owned Auto Coverage: This extends coverage to vehicles that the business may rent, lease, or borrow, as well as vehicles owned by employees but used for business purposes.
Property - Tools, Equipment
Trucking insurance, also known as commercial truck insurance or motor carrier insurance, is specifically designed to cover the unique risks associated with the trucking industry. This type of insurance provides comprehensive coverage for vehicles involved in the transportation of goods. Here are key aspects of what trucking insurance typically covers:
Primary Liability Coverage:t.
Physical Damage Coverage:
Cargo Insurance:
Non-Trucking Liability Insurance:
Motor Truck Cargo Insurance:
Uninsured/Underinsured Motorist Coverage:
Truckers General Liability Insurance:
Employment Practices Liability
Inland marine tools and equipment insurance, often categorized under inland marine insurance, is designed to provide coverage for movable property, tools, and equipment that may be used off-premises or in transit. This type of insurance is particularly relevant for businesses that frequently transport tools and equipment to various locations. Here are the key aspects of coverage typically included in inland marine tools and equipment insurance:
Coverage for Tools and Equipment:
Inland marine insurance covers tools and equipment that are movable and not permanently located at a specific premises. This can include items such as hand tools, power tools, machinery, and other specialized equipment used by a business.
Coverage During Transit:
The insurance extends coverage to tools and equipment while they are in transit. This is especially important for businesses that transport their tools and equipment to job sites or locations away from their primary place of business.
Coverage for Off-Premises Use:
Inland marine insurance provides coverage for tools and equipment even when they are being used or stored at locations other than the insured's primary business premises. This is crucial for businesses that operate at various job sites.
Cyber
EPLI stands for Employment Practices Liability Insurance, and it is a type of insurance coverage that protects employers against claims made by employees alleging various employment-related issues. The specific coverage can vary among insurance policies, but EPLI typically covers the following:
Discrimination: Claims related to discrimination based on race, gender, age, disability, religion, or other protected characteristics.
Harassment: Coverage for claims of sexual harassment or other forms of workplace harassment.
Wrongful Termination: Protection against claims of wrongful termination, including unjust dismissal or violation of employment contracts.
Retaliation: Claims related to retaliation against employees who have engaged in protected activities, such as filing complaints or whistleblowing.
Breach of Employment Contract: Coverage for claims related to breach of employment contracts, including implied contracts.
Defamation: Protection against claims of defamation, slander, or libel arising from employment-related issues.
Failure to Promote: Coverage for claims alleging unfair practices related to promotions or career advancement.
Mismanagement of Employee Benefits: Claims related to the mishandling of employee benefits, such as health insurance or retirement plans.
Negligent Evaluation: Coverage for claims alleging negligence in employee evaluations or references.
Invasion of Privacy: Protection against claims related to invasion of privacy, such as improper handling of employee records or surveillance.
EPLI stands for Employment Practices Liability Insurance, and it is a type of insurance coverage that protects employers against claims made by employees alleging various employment-related issues. The specific coverage can vary among insurance policies, but EPLI typically covers the following:
Discrimination: Claims related to discrimination based on race, gender, age, disability, religion, or other protected characteristics.
Harassment: Coverage for claims of sexual harassment or other forms of workplace harassment.
Wrongful Termination: Protection against claims of wrongful termination, including unjust dismissal or violation of employment contracts.
Retaliation: Claims related to retaliation against employees who have engaged in protected activities, such as filing complaints or whistleblowing.
Breach of Employment Contract: Coverage for claims related to breach of employment contracts, including implied contracts.
Defamation: Protection against claims of defamation, slander, or libel arising from employment-related issues.
Failure to Promote: Coverage for claims alleging unfair practices related to promotions or career advancement.
Mismanagement of Employee Benefits: Claims related to the mishandling of employee benefits, such as health insurance or retirement plans.
Negligent Evaluation: Coverage for claims alleging negligence in employee evaluations or references.
Invasion of Privacy: Protection against claims related to invasion of privacy, such as improper handling of employee records or surveillance.