Employment Practices Liability Insurance (EPLI)
An increasingly popular coverage, EPLI responds to allegations such as discrimination, wrongful termination, and sexual harassment of employees. This coverage is seldom required by client contracts, but can be important for a rapidly growing company. These policies can be costly, but so can EPLI lawsuits. Learn more about our EPLI policies to find out if this coverage makes sense for your business.
Business Interruption Insurance
Business Interruption Insurance protects you from unexpected interruptions in your business caused by natural disasters, supply chain problems, fires, and other covered property events by providing revenue during periods when your business is unable to operate normally. Business Interruption coverage takes the form of income that business owners can use to pay rent, utilities, employee wages, taxes, loans, and other expenses during periods when they're unable to operate. Learn more about Business Interruption Insurance.
Umbrella Liability (AKA Excess Liability) Insurance
When the amount of liability coverage provided by your General Liability, Auto Liability, and/or Employer's Liability is not enough, Umbrella or Excess Liability coverage can be the solution. Umbrella coverage can be bundled with a General Liability policy or purchased as a standalone policy. Additional coverage is offered in increments of $1,000,000. Learn more about our Umbrella Liability Insurance options.
Directors and Officers Insurance (D&O)
The personal assets of private companies' directors and officers are at risk from suits by a variety of entities: customers and clients, shareholders, competitors or suppliers, and government agencies. But the greatest number of suits against directors and officers are employment-related lawsuits brought by employees of the company. Directors and Officers Insurance is frequently bundled in a package with Employment Practices Liability Insurance (EPLI). Learn more about our D&O policies.
Coverage for business-owned property (desks, phones, computers, etc.) is available through Property Insurance. Property Insurance protects your business property against physical loss or damage by theft, fire, or other means. A Business Owner's Policy is a type of package policy that includes General Liability and Property coverage for a single annual premium. Learn more about our Business Property Insurance options.
Commercial Auto Insurance
Coverage for liability associated with the use of vehicles titled in the company name. Comprehensive and collision coverage are often included to cover damage to the owned vehicles. Learn more about Commercial Auto Insurance.
Hired Auto & Non-Owned Auto Insurance
Typically added as an endorsement on a General Liability policy, Hired and Non-Owned Auto Insurance protects your company if an employee has an accident in a personal or rented vehicle and the employee's insurance is inadequate to pay the claim. When there are no vehicles titled in the company name, this coverage meets contract requirements for Commercial Auto coverage. Learn more about Hired Auto & Non-Owned Auto Insurance.
Whether you operate your business from a home office, a rented space, or a building you own, your business faces a variety of office-specific liabilities. Office insurance products can protect you from damage to your business property, liability lawsuits, and even injury to your employees. Learn more about Office Insurance for your tech company.