Miscellaneous Coverages

The sensitive customer data stored within servers and in the cloud is vulnerable to attacks from hackers and other cyber criminals. Coverage is provided for a variety of expenses associated with a cyberattack.

Employee benefits liability covers and employer for an error or omission in the administration of an employee benefit program.

Also known as EPLI, Employment Practices Liability Insurance covers businesses against claims made by workers who believe that their legal rights as employees of the company have been violated.

Also known as EDP, Electronic Data Processing covers damage to computers and other hardware, electronic media, and data.

Directors and officers liability insurance covers a company’s directors and officers for claims made against them for allegations of wrongful acts when acting as company executives. Wrongful acts may consist of misstatements, errors, breaches of duty and more.

Pollution liability is available for a few different types of pollution, such as contractors operations or underground storage tank leaks. It provides coverage for clean up, property damage, and bodily injury.

Liquor liability insurance helps pay for defense in a lawsuit and claims if your establishment is held responsible. While it will not cover willful neglect, it can be utilized for general liquor related claims received by bars, pubs, restaurants, and even for private events.

Also known as construction or installation coverage, Builder Risk provides coverage for the insurable interest in materials, fixtures, and/or equipment during the construction or renovation of a building should they sustain physical damage by a Covered Cause of Loss.

Crime Coverage, also called Employee Dishonesty or a Fidelity Bond, provides coverage for employee theft of money, securities, or property. It may also provide coverage for forgery or alteration, computer fraud, funds transfer fraud, robbery, burglary, counterfeit money, and more.

Generally, Workers Compensation policies exclude coverage for volunteers. For non-profits, Volunteer Accident Insurance provides coverage for an injury to a volunteer on a no fault basis.

Professional liability insurance is crucial for those who provide a service or advice for a fee. Depending on the profession, professional liability insurance may take on different forms and names, like malpractice and E&O insurance.

Special Events insurance helps protect the insured involved in the event against property damage or bodily injury caused by anyone employed by the insured.