Recommended Coverage Options

Crop Insurance

A type of coverage designed to protect against the loss of crops due to natural disaster, such as hail, drought, and flood, or other risks such as fire, theft, and smoke or the loss of revenue due to declines in the prices of agricultural commodities.

Workers Compensation

Protection which provides benefits to employees for any injury or contracted disease arising out of and in the course of employment. All states have laws, which require such protection for workers and prescribe the length and amount of such benefits provided.

General Liability Insurance

A form of insurance bought by businesses to indemnify the business for third party liability claims. Coverage can include premises and operations liability for onsite and job-site accidents and products liability claims for products that cause a loss to a third party.

Property Insurance

Property insurance provides protection against most risks to property, such as fire, theft and some weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, or boiler insurance. Property is insured in two main ways—open perils and named perils.

Equipment Insurance

A type of coverage designed to cover all sorts of equipment – mechanical and electrical equipment, computers and communication equipment, air conditioning and refrigeration systems, boilers and pressure equipment. It also includes coverage for new technology.

Commercial Auto Liability

Coverage for motor vehicles owned by a business engaged in commerce. Commercial auto provides coverage that protects the insured against financial loss because of legal liability for motor vehicle related injuries, or damage to the property of others caused by accidents arising out of the ownership, maintenance, use, or care-custody and control of a motor vehicle. This includes Commercial Auto Combinations of Business Auto, Garage, Truckers and/or Other Commercial Auto.

Professional Errors and Omissions Liability

A type of liability coverage designed to protect professionals (e.g., accountants, attorneys, real estate brokers, consultants) against liability incurred as a result of errors and omissions in performing their professional services. Although there are a few exceptions (e.g., physicians, architects, and engineers), most professional liability policies only cover economic or financial losses suffered by third parties.

Directors and Officers Liability Insurance

A form of liability insurance payable to the directors and officers of a company, or to the organization(s) itself, as reimbursement for losses or advancement of defense costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers. Intentional illegal acts, however, are typically not covered under these policies.

Employment Practices Liability Insurance (EPLI)

Provides coverage to employers against claims made by employees or a 3rd party alleging discrimination (based on sex, race, age or disability, for example), wrongful termination, harassment and other employment-related issues, such as failure to promote or wage and hour.

Umbrella/Excess Liability

A policy that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies. An umbrella policy may cover certain risks from the first dollar of loss or liability incurred, which were never covered under the primary policies. Excess pays after an underlying primary policy is exhausted, but the critical difference is that excess policies are normally "follow form" policies that conform exactly to the coverage of the underlying policy, except that they add on their own excess limit which is then stacked on top of the primary policy's limit.


Coverage required in 2018

Employee Healthcare

A form of compensation paid by employers to employees over and above regular salary or wage, such as health insurance, life insurance, paid vacation, and workplace perks.

Additional Lines of Coverage

Personal and Homeowners Insurance, 401(k), Profit Sharing, Retirement Plans, and so much more. We have solutions for all your insurance needs.