Corporate Insurance Coverages

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     Business Property Insurance:
Covers fixed assets like furniture, fixtures, stock, phone systems, and all computer equipment, both owned and leased.

Business Interruption and Business Expense Insurance:
Pays for the income your company loses and for additional costs your company incurs if a loss makes it impossible for you to work in your office. 

 Cyber Liability Insurance: 

A “package” policy for online service providers that includes coverage for Technology Errors and Omissions   Liability, Media and Intellectual Property, and Breach of Computer Security.  

Directors and Officers Liability Insurance:
Usually required by a board of directors to protect them in the event they are sued in conjunction with their duties as they relate to the company.

Employment Practices Liability Insurance:
Protects employers against claims made by employees for discrimination (age, sex, race, disability), wrongful termination, and sexual harassment. 

General Liability Insurance:
If you lease office space or host your computer at another location, General Liability covers lawsuits arising from bodily injury or property damage, including libel, slander, and other personal injury and advertising claims. 

Hired and Non-Owned Automobile Liability Insurance:
Covers your firm’s liability if you rent a car, or if your company is sued due to an accident caused by an employee driving on company business.

Intellectual Property Insurance:
Covers judgments and legal defense costs if a competitor sues you for copyright, trademark, or patent infringement. 

Technology Errors and Omissions Insurance or Professional Liability Insurance:
Protects your company if your client holds you responsible for a contractual breach, including programming errors and software performance issues.

Workers Compensation Insurance:
Usually, Workers' Compensation, a statutory coverage, covers your employees' medical expenses and lost income if they are hurt on the job.