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General Liability Insurance

Insurance designed to protect business owners and operators from a wide variety of liability exposures. Exposures could include liability arising from accidents resulting from the insured’s premises or operations, products sold by the insured, operations completed by the insured, and contractual liability.

Professional Liability Insurance

Those services for which you are licensed, trained, and qualified to perform in your capacity as a healthcare provider in the professions shown on the Certificate of Insurance. Also, your services while acting as a member of a formal accreditation, standards of review, or similar professional board or committee, including the directives of such board or committee.

Commercial Property Coverage Forms (ISO)

Insurance Services Office, Inc. (ISO), commercial property insurance forms that define, limit, and explain what property or property interest is covered. An ISO commercial property policy consists of: one or more coverage forms, one or more causes of loss forms, the commercial property conditions form, the common policy conditions form, and the declarations. The most widely used ISO commercial property coverage forms are the building and personal property coverage form (CP 00 10) and the business income and extra expense coverage form

Abuse or Molestation

Human and Social organizations often provide care and other services to vulnerable clients, such as children, elderly adults and the developmentally handicapped. These clients and agencies that serve them need to have insurance protection regarding damages from any form of abuse, not just sexual abuse or vicarious liability.
Our Abuse or Molestation coverage limits are provided separately from the Professional and Commercial General Liability coverage parts. This is an important feature because other insurance industry abuse coverage forms often reduce the amount of insurance limits available to pay for Professional or General Liability losses. In addition, our Abuse or Molestation form provides claim and legal defenses expenses outside the coverage limits. This feature is significant because abuse or molestation related claims may require the hiring of experts and specialized legal representation which can be very costly

Automobile Liability

Coverage for a policyholder’s legal liability resulting from injuries to other persons or damage to their property as a result of an auto accident.