Directors and Officers (D&O) Liability

This coverage protects directors and officers of a corporation against claims that allege injury caused by their negligent acts, errors, or omissions while acting in their corporate capacities. It also indemnifies corporations for expenses they incur to defend such lawsuits. The market for this coverage is expanding and addresses all sizes of corporations. Some companies cover discrimination, wrongful termination, and … Read More

Associations Professional Liability

This insurance covers nonprofit associations professional liability exposures. The policy can include directors and officers liability that is designed specifically for nonprofit associations. The insuring agreement includes as named insureds all directors, officers, employees, committee chairpersons, and members, and any other association member while acting on the association’s behalf.

Answering Services

Answering and message centers serve businesses, professionals, contractors, and service companies that must have their calls answered and messages taken around the clock. They may also provide voice mail, fax messaging, printing, photocopying, and similar office services. This coverage insures businesses for injuries alleged to have occurred because of negligent acts, errors, or omissions in performing answering services for others.

Actuaries

Actuaries were once associated with only insurance companies. They are now recognized as independent advisors whose expertise is used by many different businesses. Independent actuarial firms provide services such as outsourcing for insurance carriers that need temporary assistance on certain projects. They also offer advice to financial entities that attempt to determine the future value of potential takeover targets. Some … Read More

Advertising & PR firms

This insurance covers libel, slander, defamation, infringement of copyright, title or slogan, piracy, unfair competition, or misappropriation of ideas, and any invasion of the rights of privacy that an advertising agency allegedly commits. It also covers investigating claims and defending against legal actions.

Employment–Related Practices Liability

Federal, state, and local regulations prohibit a number of employment-related practices. This insurance covers the insured if it or any of its employees are accused of any of the prohibited practices. The coverage provides a list of the federal regulations that can be cited in a claim such as age, race, gender, or disability discrimination. It also covers allegations of … Read More

Employee Staffing Services

Staffing services furnish employees to businesses on a contract basis. They are responsible for the employees’ payroll, employee benefits, workers compensation, and other human resource-related functions. Both general liability and professional liability are written in the same form. Third-party fidelity coverage, employment-related practices liability, and workers compensation coverage may also be provided.

Home Business Insurance

Most homeowners coverage forms and policies include limited protection for certain in-home businesses. This coverage is often inadequate for many types of home-based businesses. This coverage insures home-based businesses that are beyond the scope of standard homeowners forms.

Employee Benefit Plans Liability

This insurance covers the insured employer against claims made by its current or former employees due to damages caused by negligent acts, errors, or omissions in its administration of employee benefit programs. It covers claims that result from giving incorrect advice concerning an employee’s health care or pension plan or for failing to enroll employees under a benefit program. It … Read More

American Expatriates

United States workers on foreign assignments need property insurance coverage to protect their personal property from loss or damage. They also need liability insurance coverage to protect them against claims and/or suits due to allegations of injuries. This blanket coverage is available to corporations with multiple expatriate exposures. The master policy is issued to the corporation and certificates are provided … Read More