Bailee's Coverage

A bailee or bailor is someone who takes temporary possession of another party’s property, usually for the purposes of repair, storage, or security. Businesses that provide these services are susceptible to significant risk because of the liability they may face if the property they’re responsible for is lost, damaged, or stolen. Bailee’s coverage — also known as care, custody, and control (CCC) — provides insurance protection to those businesses and helps them minimize their commercial exposure.

If your business provides bailee services, even just for brief periods of time, it’s critical to safeguard yourself with a bailee’s insurance plan. We can help connect you to a coverage provider that will tailor a plan to your individual needs while keeping your premiums affordable. Common examples of businesses that act as bailees include:

• Auto garages
• Repair shops
• Valet services
• Dry cleaners
• Jewelers
• Pawn & consignment shops
• Warehouses
• Storage unit facilities
• And more

Builder's Risk Insurance

Builder's risk insurance is a special type of property insurance protects a builder or owner against damage that occurs to new or existing buildings that are under construction. A Builder's risk policy can help protect the materials, property, and equipment necessary for your project.

Business Crime Insurance

Business crime insurance is a policy that protects businesses from losses realted to crime that occurs in a business. This insurance coverage can cover cash on hand or other assets, inventory, or other loss when someone defrauds the business. This coverage is also commonly called commercial crime insurance.

Business Interruption Insurance

Operating a business can be challenging, even under good conditions. But if a robbery, fire, natural disaster, or other event causes a business to close unexpectedly, the result can be a financial catastrophe. If such a tragedy were to impact your business, you could be faced with the difficulty of dealing with restoration all while having no source of income generation.

Business interruption insurance — also known as business income coverage and commonly included as part of a business owner’s policy package — exists to mitigate the financial burden on businesses that are forced to halt their operations due to covered perils. Some of the expenses income coverage can help pay for include:

• Replacement of lost revenue
• Taxes & payroll
• Mortgage or lease payments
• Loan payments
• Temporary relocation costs
• And additional reasonable expenses you may incur

Business Owner's Policy (BOP)

A business owner’s policy allows a company to cover major property and liability risks in a single package with premiums that are usually lower than they would be when purchasing each coverage individually. The components of a BOP are typically commercial general liability, commercial property insurance, and business income interruption insurance.

Commercial Auto Insurance

Commercial auto insurance covers your business against bodily injury and property damage as a result of operating a company vehicle, such as a commercial truck and company car. Different types of coverage that accompany commercial auto insurance include medical payments from accidents, collision coverage for car damages, auto liability if someone sues, comprehensive coverage in case of a theft, and uninsured motorist coverage.

Commercial Flood Insurance

Many years, flooding affects more businesses than any other type of natural disaster. Flood insurance typically reimburses businesses for the current replacement value of buildings and contents in the event that they are damaged by a flood.

Commercial General Liability Insurance

Every business operates with some degree of commercial risk and there are a wide range of insurance coverages available to manage those risks. Commercial general liability (or just general liability) is one of the broader forms of coverage available and should be a considerationfor any business that advertises, owns property open to visitors, or performs work that could result in personal injury or property damage.

Commercial Pollution Insurance

Pollution insurance reimburses businesses for costs related to injuries, deaths, and other damage caused by pollution. In many cases, it also pays for cleanup and brownfield restoration. Pollution insurance policies often reimburse victims even when the company held liable is forced into bankruptcy.

Commercial Property Insurance

Commercial businesses can benefit from commercial property insurance if they have a vast amount of office and manufacturing equipment, essential documents, high volume inventory, and landscaping. Commercial property insurance can cover these types of property from perils, such as a natural disaster or theft,

Commercial Rental Property Insurance

Commercial renter’s insurance generally covers you if office equipment or goods get stolen or damaged while renting out an office, warehouse, store, or other commercial property,

Commercial Travel Insurance Coverage

Trip and travel insurance commonly covers canceled trips, medical emergencies while abroad, lost luggage, delayed flights, and emergency evacuations,

Commercial Trucking: Primary Liability Insurance

Primary liability insurance commonly covers your truck from claims of injuries or damaging other people’s property. Primary Liability Insurance typically does not, however, cover damage to your own truck or the transported goods on board,

Commercial Trucking: Bobtail Liability Insurance

Bobtail liability commonly comprises of coverage after a delivery has been made, and the truck is heading to the next pickup location or back home and not being used for trucking purposes,

Commercial Trucking: Physical Damage Insurance

Physical damage insurance can protect your trucks in case of a collision on the road, thefts, or towing expenses. However, it does not typically cover cargo damages or items that are not permanently attached to the truck’s trailer,

Commercial Trucking: Unladen Liability Insurance

Unladen liability generally covers property damage and bodily injuries for trucks operating a unit that is not loaded. This can include deadheading, where no cargo is aboard, and bobtailing, where there is no trailer attached,

Commercial Umbrella Insurance

Commercial umbrella insurance provides additional liability coverage, and thus more protection against property damage or bodily injuries. Your commercial umbrella policy sits over your underlying general liability and/or other liability policies to provide excess liability limits in the event you become liable for expenses that surpass your underlying limits. Umbrella policies may also broaden coverage by offering additional coverage limits not included in your underlying policy(ies).

Corporal Punishment Liability

Educators have a responsibility to look out for the safety and well-being of their students. Whether it’s in a large public school or a higher learning facility, it’s beneficial for teachers and their employers to have insurance protection in place that is suited to their job and work environment. Corporal punishment liability can provide that type of protection by potentially assisting with legal fees and other costs associated with allegations of misconduct.

Corporate Event Insurance

While it may not be the most common type of coverage, corporate event insurance can be an important safety net for your company’s budget. Parties, lunch meetings, and other big events can get costly, especially if you’re stretching your expense account to boost employee morale or impress an important client. Event insurance is intended to prevent you from being caught out financially if a function gets canceled or simply doesn’t go the way you intended.

With there being so much to keep track of when planning company events from selecting venues to coordinating with vendors, you don’t also want to have to stress about whether your coverage will actually protect you if something goes wrong. That’s why it’s important to work with an experienced insurance provider that can make it easy for you to get the right event insurance policy.

Cyber Liability & Data Security Insurance

Cyber liability insurance provides coverage against financial losses and accompanying liability due to a data breach. Examples can include paying for costs associated with recovering/repairing lost data, recovering computer systems, notifying customers of data breaches, providing legal defense, and regulatory fines,

Directors & Officers Insurance

D&O liability insurance typically protects directors and officers of organizations and businesses if they were to get sued due to misrepresentation or giving incorrect information. Personal losses, lawsuits, and defense fees can be covered, though criminal offenses and illegal profits are often not included,

Employment Practices Liability Insurance

Employment Practices Liability Insurance typically covers companies from claims by employees alleging such wrongful acts as discrimination, wrongful termination, sexual harassment, and other employment-related issues,

Equipment Rental Insurance

Equipment rental insurance commonly protects equipment a business rents in the event of property damage or bodily injury while handling such products,

Errors & Omissions Insurance Coverage

E&O is a kind of professional liability insurance that can protect employees and companies from claims against negligent work and mistakes made in professional advice or services given. See Professional Liability

Errors & Omissions Insurance: Claims Made Policy

Claims-made policies provide coverage for losses that happen during the policy period and that are reported within the extended reporting period and after the retroactive date. (The extended reporting period is the timeframe after the policy's expiration when the insured can still report claims that happened during the policy period; the Retroactive Date is a specific date that a policy's coverage begins),

Errors & Omissions Insurance: Occurrence Policy

An occurrence policy covers losses that take place during the policy term, no matter when the loss is reported to the insurance company. In other words, a loss can typically be reported after a term has expired, but it has to have occurred during the policy term.

Farm & Ranch Business Insurance

Insurance for a farm or ranch can be complex. It can vary based on the scale of your operation, your crops and livestock, the equipment you use, and whether your farm doubles as your residence. Because of that complexity, it’s important to work with an insurance provider that understands the industry and will work to understand your agribusiness coverage needs.

Farm Equipment Insurance

Farm equiment is expensive to repair and replace. With farm equipment insurance you are covered in the even that your valuable equipment is damaged or destroyed. A farm equiment policy can cover equipment for damage resulting from: 1. Theft 2. Fire 3. Storm Damage 4. Vandalism 5. Collisions 6. Glass breakage 7. Lightning

Fleet Insurance

For businesses that operate mobile fleets like taxi and shipping companies, vehicles are necessary to enable their day-to-day functions. Your vehicles may serve a variety of useful business functions from transportation to hauling, but they also expose you to a great deal of financial risk, and having more vehicles compounds that exposure. The time, money, and effort it takes to assemble and maintain a fleet makes it essential to keep your business protected with a comprehensive fleet insurance plan from a reputable carrier.

Commercial fleet insurance allows a business to more affordably apply auto insurance coverage to multiple vehicles. Whether your fleet is comprised of cars, trucks, buses, vans, or something else entirely, we can help match you with a provider that will safeguard your business with a tailored policy that fits your budget.

Food Spoilage Insurance

Food spoilage insurance protects restaurants and other food-based businesses in the event of lost inventory caused by a power outage, equipment malfunction, or other factors. This type of coverage can also apply to food contaminated through other means, such as being mishandled or improperly stored. This can help mitigate the cost to your business of replacing your inventory, repairing equipment, or dealing with fallout costs.

Food-Borne Illness Liability Insurance

Foodborne illness coverage can typically cover losses due to food contamination. Depending on the premium, coverage can also include recall costs, rehabilitation expenses, adverse publicity, revenue loss, and crisis management.

Freight Insurance

Freight insurance is usually when a third-party insures the value of cargo while in transit. It typically protects customers from damaged or lost freight during packing, loading, and carrying,

Freight Liability Insurance

Freight liability is usually when a carrier is liable for shipment damages, delays, or losses if it was not due to an act of God, an act of the shipper, an act of public enemy or authority, or vice of the goods themselves. Then, the carrier would typically be responsible for paying for the loss of shipment,

Garage Insurance

Keeping customer vehicles on your business premises, whether for a repair shop or adealership, creates a potentially large financial risk. As a result, a variety of different types of insurance coverages exist to help garages, dealerships, and automotive service centers safeguard their customers' vehicles and inventory.

While choosing coverage for your garage, it’s important to have the advice of a qualified insurance professional that can evaluate your needs and build a policy that’s both comprehensive and affordable. If you have questions about building your garage insurance plan, fill out the quote request form today. You’ll receive a free consultation and get connected to a providerthat will help find your business the protection it needs.

Garage Keepers Liability Insurace

Garage keeps liability insurance is coverage that commonly protects a customer’s vehicle from getting damaged while in a policyholder’s custody or care. Damage can happen when a car is getting repaired, washed, towed, parked, and stored,

Habitational & Lessor's Risk Insurance

Habitational and lessor’s risk insurance provide a broad range of protection against some of the most common liabilities that landlords face. Habitational (aka habitational property or dwelling) insurance is designed for non-resident owners of residential property, including things like rental homes, duplexes, and apartments. It typically covers tenant injury, theft, vandalism, and damage to the property by tenants or natural disaster. Lessor’s risk works similarly for owners of commercial rental properties like warehouses and office buildings. Both forms of coverage may also include options for building fixtures and equipment, outdoor signage, loss of use, and more depending on the type of property and requirements of the owner.

Hired & Non-Owned Auto Insurance

HNOA insurance generally covers for commercial liabilities and defense costs due to car accidents while driving a hired auto or non-owned auto. Examples of hired auto could be a rental car or company car used for work purposes. A non-owned auto could be a personal car an employee uses to run business errands,

Inland Marine Insurance

What is perhaps one of the most counterintuitively-named coverages in the industry is simultaneously one of the most important for industries like construction, landscaping, shipping, and more. In fact, it’s critical insurance coverage for any business that frequently transports property, merchandise equipment, or assets, as well as any business that handles property owned by others like an auto garage.

The name “inland marine insurance” is derived from its origins as a variant of ocean marine insurance (one of the oldest forms of insurance), which offered coverage for goods and cargo as they were moved overseas. If additional transport was needed once that cargo reached land, that was given protection under an inland marine policy.

To best illustrate the type of protection provided by inland marine today, we’ve outlined a few examples by industry below:

• Construction companies and contractors often move tools and materials back and forth to various job sites or store them on property not owned by their business. This type of inland marine coverage — known as Builders Risk or Contractors Tools & Equipment Coverage — protects a business in the event that those tools and materials are lost, damaged, or stolen while in transit (unlike a standard commercial auto policy) or while being stored.
• Retailers and shipping companies hold products in warehouses, load them into vehicles, and transport them to their destination. In each of these cases, products are covered by one of the most traditional forms of inland marine insurance: Motor Truck Cargo Insurance.
• Dry cleaners and other businesses that take temporary possession of property for purposes such as storage, security, cleaning, or repair are known as bailees. This component of inland marine coverage is called Bailee’s coverage, and it protects those businesses as they take custody of their customers’ property.

Insurance Coverage for Retail Stores

Store or shop insurance generally protects your physical retail store and inventory from losses due to theft, vandalism, and fire. It is advisable to write a list of how much all of the equipment and goods in a store are worth to determine coverage,

Liquor Liability Insurance

If you own an establishment where people consume alcohol, you may be held legally and financially accountable for injuries or damages caused by your patrons while under the influence, even if you did not directly sell or serve it to them. Liquor liability coverages exists to mitigate that risk by providing coverage beyond what may be included in a general liability policy.

Bars have an obvious need for this type of insurance, but it also applies for businesses like theaters where drinking is allowed although it may not be the main source of revenue. When evaluating whether your business needs a stand alone liquor liability policy, you need to first consider your state’s alcohol regulations, the extentof your commercial exposure, and any existing coverages you may have. It’s important to carry out this process with the guidance of a qualified professional that can help you find comprehensive coverage that fits your budget.

Marine Hull & Commercial Watercraft Insurance

Travelling over water can be liberating, thrilling, beautiful, and often hazardous. For nearly all of time, people have used seas and rivers to make their living and conduct business through fishing, hauling, or providing transportation. Today, the amount of maritime industries has greatly expanded to include sports, tourism, scientific research, and much more. If you run a marine business, it’s important to have the right insurance in place to protect yourself and your crafts against potential hazards and operating exposures.

Like insurance for any other business, you’ll need policies that cover accidents, injuries, damages, liabilities, and loss of income. But just add water and you business is suddenly opened up to a whole new set of commercial risks. That’s why it’s important to work with a qualified professional when building your policy, one who understands the needs of your industry and will take the time to understand your individual needs as well. From the smallest tugboats to the most massive cargo ships, we help marine businesses find their best match in an insurance carrier.

Marine Operators Legal Liability (MOLL)

Wharfs, piers, harbors, marinas, and other coastal hubs are essential for enabling maritime commerce and pleasure cruising. If you’re the owner or operator of such a facility, it’s important for you to have the right insurance in place to protect your business from accidents, liability, and other commercial exposures. Without comprehensive marine liability insurance, you could be held financially responsible for damage to watercrafts in your care, collisions that occur within your property, or lost cargo.

When attempting to find coverage, it’s important to explore your options with a qualified professional who understands the complexities of marine liability and the individual risks your business faces whether you run a private marina, boat dealership, repair yard, or cargo port. We can help you make the best choice in an insurance provider by allowing you to shop rates and coverage from multiple sources until we find your best match.

Molestation & Abuse Liability

Care providers and organizations face specific risks that often require specially designed coverage. If you work with vulnerable populations such as children or seniors, it’s important to not only have an abuse & molestation policy in place, but also to be certain that your policy your policy scope matches your needs with appropriate coverage limits. This applies to many types of schools, day care businesses, senior care facilities, and religious organizations.

Motor Truck Cargo Insurance

Motor truck cargo insurance exists to protect commercial shippers, transportation companies, and freight carriers from liability related to the loss or damage of property in their possession in transit, during loading/unloading, or while awaiting transit. As a subcategory of inland marine insurance, it may be legally required depending on your state and industry or may be required by a hiring client. It is distinct from other types of mandated shipping coverage in that those may only cover the driver and/or vehicle but not the goods being transported.

If your business uses commercial vehicles to transport cargo, we can help you find the protection you need by allowing you to shop policies and rates from multiple carriers simultaneously. This means you get the right coverage at a price that fits your budget.

Ocean Marine Cargo Insurance

For almost as long as people have been conducting trade, they’ve been doing so over the water. And while there have always been risks associated with transporting goods over water, the benefits have always exceeded them as long as those risks were accounted for with planning, precaution, and the right insurance policy.

Maritime commerce is what created the insurance industry and is still the primary enabling force behind international trade today. As a critical component of ocean marine insurance, marine cargo insurance is a coverage staple for any business involved with imports, exports, manufacturing, or any other industry that regularly ships merchandise overseas via airplane or watercraft.

Also known as ocean cargo insurance, this form of coverage affords financial protection in the event that your cargo is lost, damaged, or stolen while in transit to its destination. Coverage can also be expanded to include warehouse storage, handling, processing, and can be bundled with an inland marine policy.

Ocean Marine Insurance

The ocean is the birthplace of insurance, and it’s no wonder. There are few places less predictable and full of risk than the open seas, especially in the days of wooden ships and widespread piracy. Though conducting business on the water is much safer now, you still face the risk of accidents, injuries, collisions, and severe weather, all of which can lead to damage or loss of marine vessels, equipment, and cargo — and there’s still the occasional pirate.

If your business is involved with shipping, transportation, manufacturing, distribution, or another maritime industry, it’s important to protect yourself with the right ocean marine insurance plan. Ocean marine insurance is a financial safeguard for operational exposures that may affect your boats, merchandise, cargo, equipment, passengers, employees, and more.

Commonly, ocean marine insurance can be broken down into these key coverage types:

• Ocean Cargo Insurance covers goods and materials that you transport in the event that they are lost, damaged, or stolen while they are in storage, in transit through to their arrival at their final destination.
• Marine Liability/Protection & Indemnity provides protections related to exposures in your normal business operations like lawsuits related to collisions, accidental damage, and injuries to passengers or crew.
• Marine Hull Insurance, also called Hull Coverage or Hull & Machinery, exists to help with damages to your vessel and any attached equipment or machinery.

On-Hook Towing Insurance

On-Hook Towing Insurance covers damage to vehicles while they are being towed from one place to another. This coverage pays to repair vehicles that you do not own if they are damaged by collision, vandalsim, or any other covered loss while your truck is towing them.

Ordinance & Law Insurance Coverage

Ordinance and law coverage is an important coverage to have in your property policy, especially if your business owns an older building. Following a covered cause of loss, it provides coverage in the event that a certain ordinance, law or regulation requires you to repair or rebuild your building so that it is meets certain codes or requirements. Examples can include updating the electricals, HVAC units, and structure of an entire building.

Premises Liability Insurance

Premises liability insurance commonly protects you from accidents that occur on your company’s premises, causing bodily injuries or property damage. Premises can be comprised of, but are not limited to, your office space, garden in front of your workplace, and parking lot. Note: If you have a General Liability policy, then you already have premises liability coverage!

Product Liability Insurance

Product liability insurance generally protects companies from claims of bodily injuries and property damage due to a product defect that was manufactured, distributed, or sold. This can include giving inadequate information or instructions on how to use the product correctly,

Professional Liability Insurance

Professional liability insurance protects those in specialized professions from the unique legal exposures they face while performing their jobs. Depending on the context, professional liability is also sometimes referred to as E&O (errors & omissions) coverage, professional indemnity insurance, or malpractice insurance. Accountants, nurses, engineers, and others in similarly complex fields are often either required or strongly encouraged to have professional liability. Due to the nature of their work, client expectations in these fields are understandably high, and the work itself is heavily regulated. Coverage against errors & omissions applies in instances of actual or perceived mistakes, negligence, or breaches of contract.

Protection & Indemnity Insurance (P&I): Marine Liability

P&I insurance commonly covers maritime liability risks that traditional insurers do not always cover in relation to operating a vessel. Examples can include war risks and environmental risks such as oil spills and pollution,

Shipping Carrier Liability Insurance

Carrier liability insurance typically allows an owner of goods to file a claim to gain money from a carrier when their products become lost or damaged in transit. The carrier liability generally covers a specific dollar amount based on the freight’s weight or shipping unit, and not based on the material's actual value,

Tools & Equipment Insurance Coverage

Tools and equipment insurance is a type of inland marine insurance that provides coverage if essential and expensive tools get destroyed or stolen. You can add this as a supplement to your insurance policy to typically cover heavy and rare equipment that can be difficult to replace and find,

Towing General Liability Insurance

Tow truck drivers and towing businesses have similar insurance needs to other commercial auto policy holders but also face some unique exposures. Just like any other vehicle on the road, tow trucks need to be covered against bodily harm, property damage, and personal injury. But unlike other vehicles on the road, you’re moving multiple vehicles and often operating in hazardous road or weather conditions. That’s why towing operations need a wider range of coverage than what’s provided with standard commercial auto insurance.

Trucking: Downtime Insurance Coverage

Downtime insurance can offer financial coverage for when your truck will take a while to get back on the road. If a truck driver experiences an accident and needs to wait for repairs, you can submit a claim to possibly gain compensation for the lost time and money,

Trucking: Gap Insurance

Gap insurance generally protects owners who lease out their trucks that end up being stolen or totaled beyond repair in an accident. It can cover the gap in the truck's current market value and how much is owed to pay it off,

Trucking: Limited Depreciation Insurance Coverage

Limited depreciation coverage can be for cases where a truck gets into a severe accident and becomes declared as a total loss. Limited depreciation coverage can typically pay the difference between the fair market value that your insurance will provide and the remaining amount you owe for your truck or its replacement.

Trucking: Passenger Accident Insurance

Passenger Accident: Passenger Accident Insurance can protect companies from liabilities when passengers are riding in company trucks that get into an auto accident. Coverage can be given to authorized passengers and while the driver is carrying out their work duties,

Trucking: Personal Property Insurance

Personal property insurance generally provides coverage for lost or stolen items when an accident occurs out on the road. Special items placed in a truck can have replacement coverage for things such as computers, tools, and electronics,

Trucking: Rental Reimbursement Insurance

Rental Reimbursement: Rental reimbursement can help cover the payment of another mode of transportation in case a truck accident occurs. There is often a maximum reimbursement period of thirty days to replace an insured truck from a covered loss,

Trucking: Roadside Breakdown Coverage

 Roadside breakdown coverage can assist trucks that face roadside problems such as flat tires, lockouts, collisions, mechanical issues and breakdowns. Roadside assistance is often available 24/7.

Trucking: Supplemental Towing & Cleanup Insurance

Supplemental Towing & Cleanup: Supplemental towing and cleanup can offer towing of a truck and coverage of the cleanup surrounding the vicinity of where an accident took place. Cleanup may include removing debris and damages when necessary,

Trucking: Trailer Interchange Insurance

Trailer interchange insurance commonly covers any physical damage made onto trailers while being pulled and hauled by trucks. Physical damage examples can include experiencing a collision, fire, vandalism, or theft,

USL&H Insurance: Workers Comp on Water

United States Longshore and Harbor Workers Coverage is typically mandated by federal law to provide medical care, compensation, and rehabilitation services to employees who become disabled from job injuries while navigating U.S. waters,

Worker's Compensation Insurance for Employers

Workers' compensation provides monetary and medical benefits to workers who get injured or disabled during the course of employment. Typically, if an injured employee accepts worker’s compensation, they cannot sue the employer.