Types of Coverage

Who needs it: Businesses that transport goods or own watercraft, as well as those with high-value property in transit.

What it’s for: Covers cargo, vessels, and equipment while on the water or in transit over land. Essential for logistics companies, importers, exporters, and marine operations.

Who needs it: Event organizers, hosts, or businesses holding short-term events like weddings, festivals, or conferences.

What it’s for: Covers event cancellation, property damage, and liability for accidents or injuries during your event, giving you peace of mind on the big day.

Who needs it: Any business that stores customer data, processes payments, or uses technology in operations.

What it’s for: Protects against the costs of data breaches, cyberattacks, and privacy violations. Includes expenses for recovery, legal fees, and notifying affected customers.

Who needs it: Property owners, builders, and contractors working on new construction or renovation projects.

What it’s for: Covers buildings and materials during construction from perils like fire, theft, or vandalism. It helps ensure your project stays financially secure from start to finish.

Who needs it: Owners of vacant residential or commercial buildings.

What it’s for: Provides protection against vandalism, fire, and certain weather-related losses for properties that are unoccupied for extended periods, coverage that standard property insurance may exclude.

Who needs it: Bars, restaurants, breweries, caterers, and event venues that serve alcohol.

What it’s for: Protects against the costs of data breaches, cyberattacks, and privacy violations. Includes expenses for recovery, legal fees, and notifying affected customers.

Who needs it: Small to medium-sized businesses looking for comprehensive coverage in one package.

What it’s for: A BOP bundles general liability, property, and business interruption insurance at a cost-effective rate. It’s an efficient way to protect your business from common risks.

Who needs it: Auto dealers, repair shops, body shops, and service stations.

What it’s for: Combines general liability and auto coverage to protect against property damage or injuries that occur in your garage operations or while test-driving customer vehicles.

Who needs it: Consultants, architects, engineers, accountants, real estate agents, and other service professionals.

What it’s for: Protects against claims of negligence, mistakes, or failure to deliver professional services as promised. Essential for anyone giving advice or providing specialized expertise.

Who needs it: Contractors, professionals, and businesses that must guarantee performance or compliance.

What it’s for: Bonds ensure your business fulfills its contractual or legal obligations. From construction performance bonds to license and permit bonds, they help you meet requirements and build client trust.

Who needs it: Consultants, architects, engineers, accountants, real estate agents, and other service professionals.

What it’s for: Protects against claims of negligence, mistakes, or failure to deliver professional services as promised. Essential for anyone giving advice or providing specialized expertise.

Who needs it: Any business with employees.

What it’s for: Provides coverage for medical expenses and lost wages if an employee is injured or becomes ill due to work-related activities. It helps protect both your workers and your business by meeting state legal requirements.

Who needs it: Contractors, builders, and tradesmen who rely on tools and heavy equipment.

What it’s for: Covers mobile equipment such as excavators, forklifts, and tools against damage, theft, or loss while on the job site or in transit. Keeps your projects moving, even if something unexpected happens.

Who needs it: Business owners with a physical location, equipment, or inventory.

What it’s for: Protects buildings, furniture, equipment, and inventory from losses due to fire, theft, vandalism, and certain weather events. Whether you own or lease your space, this coverage safeguards your investment.

Who needs it: Any business that owns, leases, or uses vehicles for work; from delivery vans to service trucks.

What it’s for: Covers vehicles used for business purposes against accidents, damage, theft, and liability. It protects your company’s assets if a driver causes an accident or if your vehicles are damaged on the job.

Who needs it: Every business! From contractors and retailers to consultants and manufacturers.

What it’s for: General Liability Insurance protects your business from financial loss due to third-party claims of bodily injury, property damage, or personal injury (like libel or slander). It’s the foundation of a solid risk management plan and often required by landlords, clients, or vendors.