Insurance for the Business Behind the Guarantee

Commercial General Liability (CGL)

Covers third-party bodily injury, property damage, and personal and advertising injury claims against your business.

Products and Completed Operations Liability

Covers injury or damage caused by products you make or sell, or work you've finished.

Excess and Umbrella Liability

Adds limits above your primary liability policies for larger claims.

Commercial Automobile Liability

Covers liability from vehicles your business owns and operates.

Hired and Non-Owned Auto (HNOA)

Covers liability when employees drive rented vehicles or their own cars for work.

Environmental and Pollution Liability

Covers cleanup costs and third-party claims from pollution events.

Liquor Liability

Covers claims arising from serving or selling alcohol.

Sexual Misconduct and Molestation Liability

Covers claims alleging abuse or misconduct, for schools, camps, care providers, and similar organizations.

Workplace Violence

Covers costs and losses following a violent incident at your premises.

Kidnap, Ransom and Extortion

Covers ransom, extortion payments, and crisis response costs.

Product Recall Expense

Covers the cost of recalling, replacing, and disposing of defective products.

Event Cancellation

Covers lost revenue and costs when a covered event is cancelled, postponed, or curtailed.

Wrap-Up (OCIP and CCIP) General Liability

Insures owners and contractors on a construction project under one program.

Owners and Contractors Protective Liability

Protects a project owner against liability arising from a contractor's work.

General Aviation and Airport Liability

Covers liability for aircraft operations, airports, and aviation service businesses.

Railroad Liability

Covers liability for railroad operators and contractors working near tracks.

Wildfire Liability

Covers third-party claims arising from wildfires linked to your operations.

Cannabis and Hemp Commercial Liability

Liability coverage for licensed cannabis and hemp businesses, where permitted.

Sharing Economy and Gig Platform Liability

Covers platforms and their participants for liability arising from gig and sharing activity.

Professional and Miscellaneous Errors and Omissions

Covers claims that your professional advice or services caused a client financial loss.

Medical Professional Liability

Covers malpractice claims against physicians, dentists, and other healthcare providers and facilities.

Cyber

Covers data breach response, ransomware, business interruption from cyber events, and related liability.

Tech and AI Liability

Covers technology errors and omissions, including claims tied to software and AI products.

Media Liability

Covers defamation, copyright, and privacy claims arising from content you publish.

Directors and Officers Liability (D&O)

Protects directors and officers against claims alleging mismanagement.

Employment Practices Liability (EPLI)

Covers claims of discrimination, harassment, wrongful termination, and retaliation.

Fiduciary Liability

Covers claims alleging mismanagement of employee benefit plans.

Commercial Crime and Fidelity

Covers employee theft, fraud, forgery, and funds transfer fraud.

Contractors and Owners Protective Professional Indemnity

Covers losses from design or professional errors by others on a construction project.

Commercial Property

Covers buildings, equipment, inventory, and improvements against fire, theft, wind, and other covered perils.

Businessowners Policy (BOP)

Packages property and general liability for small and midsize businesses.

Builder's Risk

Covers buildings under construction or renovation and materials on site.

Business Income and Extra Expense

Replaces lost income and pays extra costs to keep operating after a covered property loss.

Delay in Start-Up

Covers lost income and added costs when a covered loss delays a project's opening.

Equipment Breakdown

Covers mechanical and electrical breakdown of HVAC, boilers, computers, and production equipment.

Earthquake Difference in Conditions

Adds earthquake and other perils a standard property policy excludes.

Primary Private Flood

Flood coverage written privately, often with higher limits than federal flood insurance.

Property Deductible Buy-Back

Reduces what you pay out of pocket under a high property deductible.

Terrorism, Political Violence and Active Assailant

Covers damage and losses from terrorism, political violence, and active assailant events.

Strikes, Riots and Civil Commotion

Covers damage from strikes, riots, and civil unrest.

Comprehensive Glass

Covers storefront, plate, and specialty glass.

Private Crop

Covers crop yield and revenue outside the federal crop insurance program.

Surety Bonds

Contract, commercial, license and permit, and court bonds.

Subcontractor Default

Reimburses a general contractor when a subcontractor fails to perform.

Whole Turnover Trade Credit

Covers your receivables against customer non-payment and insolvency.

Credit and Political Risk

Covers non-payment and government actions affecting international trade and investment.

Residual Value

Guarantees an asset's value at the end of a lease or financing term.

Lease Enhancement and Lease Default Credit

Protects lessors against lessee default.

Security Deposit Replacement and Lease Guarantee

Can replace a cash security deposit or guarantee on a lease.

Representations and Warranties

Covers losses from breaches of seller representations in a business acquisition.

Inland Marine

Covers property in transit, at job sites, or on the move, including contractors' equipment and tools.

Ocean Marine Cargo

Covers goods shipped by sea, air, or land on international and domestic routes.

Motor Truck Cargo and Transit

Covers freight hauled by truck.

Stock Throughput

Covers inventory from raw materials through storage, transit, and delivery under one policy.

Marine Hull, Protection and Indemnity

Covers damage to vessels and shipowner liability.

Charterers Legal Liability

Covers liability of a party chartering a vessel.

Maritime Employers Liability

Covers liability to maritime workers under the Jones Act and general maritime law.

Hull War, Hijacking, Detention and Confiscation

Covers vessels against war risks, seizure, and detention.

Mortgagees Interest and Additional Perils

Protects a lender's interest in a financed vessel.

Shipbuilders All Risks

Covers vessels under construction or repair at a shipyard.

Cash in Transit and Armored Carrier

Covers cash and valuables moved by armored carriers.

Space and Satellite

Covers satellites through launch and in orbit.

For business owners who want their home and other properties placed with the same team.

Homeowners

Covers your home, belongings, and personal liability.

Dwelling Fire

Covers rental and non-owner-occupied homes.

Manufactured Home

Covers manufactured and mobile homes.

Farmowners

Covers farm dwellings, outbuildings, equipment, and farm liability.