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Business & Commercial Insurance Information
Real Estate Errors & Omissions
The increasing complexities of real estate transactions and the rising use of litigation have prompted a need for errors and omissions (E&O) insurance to reduce the risk to real estate agents, brokers, and the firms they represent against the potential of a lawsuit. In most cases this coverage protects real estate agents and brokers, however it can be extended to cover landlords and other classifications. Similar to all standard E&O policies, a Real Estate E&O policy protects the insured against any mistakes due to negligence or breach of contract made while doing business. The coverages are tailored for this specific line of work.
Environmental Pollution Liability
Environmental Pollution Liability Insurance is available for Contractors, Environmental Consultants, Fixed Site Exposures, Storage Tanks, Environmental Services and many other exposures. Each policy is crafted to provide coverage for exposures such as gas leaks, contaminated soil, oil spills and many other exposures that can damage the environment and create large cleanup costs.
Technology Errors & Omissions
Technology Errors & Omissions Insurance (Tech E&O) covers businesses providing technology services to their clients. A Tech E&O policy protects the insured against any mistakes made while doing business. These coverages are tailored for technology service providers because of the complex nature of their operations. A Tech E&O policy can be purchased with a cyber liability policy for comprehensive protection against online & offline risks.
Cyber Liability Insurance
The cost of a data breach and the reputational damage to your business after a breach occurs can be devastating. You need a well-designed insurance policy to provide the protection you need, and breach management expertise to ensure the breach is managed properly and in accordance with regulatory requirements. Federal and State laws require forensic, legal and credit monitoring services are in place after a breach to protect customers from the misuse of their personal information.
Employment Practices Liability Insurance
Employment practices liability insurance, commonly known as EPLI, provides coverage to an employer against allegations made by former, current or prospective employees of a wrongful employment act committed by the employer. Wrongful employment acts are allegations ranging from discrimination under Title 7 (sex, race, age, disability, HIV status, etc.) wrongful termination, various forms of harassment to EEOC investigations. The coverage also intends to provide coverage for other employment related issues which are discussed more in depth within the policy language.
Allied Healthcare Insurance
The Healthcare industry is an ever evolving and growing industry and the demand for specialized medical care is on the rise. Entities or individuals in this field need financial protection from their professional negligence in administering patient care which results in economic or bodily injury to the patient. This liability looms over any line of work in the healthcare industry. Even the smallest mistakes can have costly consequences. While some companies are able to retain this risk, many smaller businesses do not have the ability to pay damages or legal bills.
Management Liability (D&O) Insurance
Management liability (D&O) at its core is financial protection for a company or organization’s directors, officers, managing members or equivalent positions while they are working on the company or organization’s behalf. The coverage intends to pay for defense and potential indemnity of legal action taken against these individuals for allegedly breaching their fiduciary duties owed to their stakeholders, donors, etc.
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.
Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.
While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.
If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.
Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.
Broad Range of General Liability Protection
- Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
- Property Damage coverage for the physical damage to property of others or the loss of use of that property
- Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided
- Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
- Contractual Liability extends to any liability you may assume by entering into a variety of contracts
- Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.
Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.
In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.
Do I need workers compensation insurance?
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.
To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.
Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.
Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.
Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.