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INSURANCE COVERAGES
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Property Insurance
Buildings & Contents
Multiple Location Schedules (including international)
Loss Limit Programs
Layered Programs
Business Income / Extra Expense (tuition and fees for schools)
Systems Breakdown
Flood and Earthquake Perils
Builder's Risk
Inland Marine (scheduled property)
Building Ordinance and Laws
Pollutant Cleanup
First-party EDP Exposures
Property of Clients / Patients
Fine Arts
Property in Transit
Leasehold Interest
Diagnostic and Lab Equipment
Liability Insurance
Abuse and Molestation Liability
CyberLiability
Third-party Discrimination
Corporal Punishment
Alienation of Affection
Educators Professional Liability
Child Abduction Liability
Vicarious Professional Liability
Volunteer Liability
Environmental Liability
Aviation Liability
International Liability
Miscellaneous Professional Liability
Medical Professional Liability
Counseling Errors and Omissions
Directors and Officers Liability
Employment Practices Liability
Fiduciary Liability
Employee Benefits Administration Liability
Employer's Liability
Stop-Gap Liability
Umbrella, Excess and Layered Liability Programs
Damage to Leased Premises Liability
Special Events Liability
Representation and Warranties (for mergers and acquisitions)
EMT Liability
Bailees' Liability / Property of Others
Crime Insurance
Third-party Fidelity
ERISA Bonding
Computer Fraud
Employee Dishonesty - Fidelity Bond
Fidelity Bond - Volunteers
Forgery and Alteration
Kidnap, Ransom, and Extortion
Money and Securities
Public Employees Faithful Performance Bond
Automobile Insurance
Lease Gap Coverage
Physical Damage
Uninsured and Underinsured Motorist Coverage
Automobile Liability
Employer's Non-ownership Liability
Hired Care Coverages
Drive Other Car Coverage
Employees as Insureds
Volunteers as Insureds (Social Service Agencies)
ParaTransit Agencies
Ambulance Services
Garagekeepers Legal Liability
Insurance for Volunteers
Volunteer Accident Medical Insurance
Volunteers (as insureds on Business Auto Policy)
Volunteer General Liability
Volunteer Excess Auto Liability
Fidelity Bond - Volunteers
Optional coverage for Volunteers on Workers' Compensation
Insurance for Employees
Foreign Voluntary Workers' Compensation
Qualified Self-Insurance
Large Deductible Plans
Loss-Sensitive Plans
Employers Liaiblity
Stop-Gap Liability
State Insurance Pools
U.S. Longshore and Harbor Workers' coverage
Aviation Employees
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We learn your business so you don't have to learn insurance!
We frequently talk with business managers or executive directors of not-for-profit organizations who are frustrated about insurance. “I keep having to train our agents about what we do and what kinds of insurance we need,” reported one. That won’t happen with us – we’ve devoted years to learning how NFP, health care and charitable social service organizations operate and to understanding their operational risks. That means we can be very helpful (and creative) in designing an insurance program that is a good value and fits well with the overall management of your risks.
Small organizations can have complex insurance needs!
Smaller and mid-sized organizations can have complex, specialized insurance needs, but they are often given second-class treatment by their agents, who act like they have better things to worry about. We know that you don’t have to be big to make a big difference in clients’ lives – and we value the work you do. A small or startup agency can be hit with a big claim, and if appropriate insurance protection isn’t in force, it could be the end of your good works.
Ironically, even very large, multi-location agencies often don’t get fair value from their insurance vendors – programs seem cobbled together, answers are difficult to get, and insurance underwriters aren’t getting the complete story (if they did, they’d provide needed coverages, creatively modify their offerings to meet your needs, and offer options and alternatives that make sense).
If you want answers – if you want understanding – most of all, if you want value from your insurance agent and companies, contact us!
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