We know that you cannot outrun your risk, but you can be ready for it. What if a hurricane causes you to lose power to your building and your operations cease, or if a fire severely damages your building? You shouldn’t have to pay for this yourself, and with the right protection, you won’t have to. Our risk advisors can help you identify gaps in coverage, look for ways to save money, and keep your assets and income protected.
Natural Disaster Insurance
Mother Nature can wreak havoc on your business anytime and anywhere. Because many of these occurrences can be catastrophic, there are often exclusions for them in standard business policies. Buying natural disaster insurance can provide additional protection.
Risk management goes beyond insurance in that it’s about planning for and mitigating potential business risks, aside from a policy that pays out when suffering a loss. The two work hand-in-hand together, but it’s important to understand that risk management is all about planning and strategizing for the long-term of your business.
Commercial Earthquake Insurance
Earthquakes can really shake the foundations of your business and since they’re hard to predict, it’s important to make sure your business is covered. You might not think you’re at risk from an earthquake, but since 1900 there have been earthquakes in 39 states with damage recorded in all 50 states. So while it might seem like you aren’t at risk, it’s important to double check and make sure you have the coverage you need.
Commercial Hurricane Insurance
Hurricanes can be devastating to a business, and every year from June to November your business is at risk for damage. From heavy rains to strong winds, there’s a lot to take into consideration. That’s why it’s important to get specialized coverage to protect your business in the event of a hurricane.
Errors and Omissions Liability Insurance (E&O)
Errors and omissions liability insurance protects any business that gives advice, makes educated recommendations, designs solutions or represents the needs of others. We’ll design coverage that will ensure that one simple mistake does not cause financial devastation.
Directors and Officers Liability Insurance (D&O)
Directors and officers liability insurance covers directors and officers for claims made against them while serving on a board of directors and/or as an officer. We’ll work with you to protect your organization’s greatest asset: your senior leadership.
Probate bonds are used to provide financial protection to beneficiaries when the estate and assets of the deceased are being managed by a fiduciary. Typically required for court-appointed fiduciaries, probate bonds protect beneficiaries and guarantee that the fiduciary will follow through with their professional responsibilities.
Key Person Life Insurance
Key person life insurance can keep your business afloat in the event of the death of any employee who is an integral asset to the company’s survival. We’ll work with you to design coverage that helps assure continuity of your business for employees, customers and creditors.
Fiduciary Liability Insurance
Fiduciary liability insurance protects individuals acting as ERISA fiduciaries against fiduciary-related claims of mismanagement of a company’s employee benefit plan. We’ll work with you to ensure that employee benefits are handled responsibly and your trustees are protected.