|
|
General Liability
General Liability Insurance protects against accidents and injuries on company and customer property. It also protects against product liabilities.
|
Workers’ Compensation
Having Workers’ Compensation Insurance is required by New York State. It protects against lawsuits stemming from workplace accidents. It provides medical care to injured employees as well as compensation for lost income.
|
|
|
Property Insurance
Property Insurance covers against property damaged or destroyed by an insured peril (e.g. fire, lightening, etc).
|
Disability
Disability Insurance is required by New York State along with Workers’ Compensation. It reimburses workers who are not covered by Workers’ Compensation benefits with a percentage of their lost wage.
|
|
Product Liability
Product Liability Insurance protects a company against cost of judgments, settlements and legal fees arising from damages/alleged damages caused by a defective product.
|
|
|
|
|
|
|
Boiler & Machinery/Equipment Breakdown
Boiler & Machinery/Equipment Breakdown expenses are NOT COVERED under General Liability Insurance, as most assume. This coverage protects businesses against the cost of repairing or replacing a broad range of equipment, technology and machinery essential to business operations. Examples include: power surges, short circuits, mechanical breakdown, boiler overheating or cracking, loss of income and extra expenses to maintain normal operations.
|
Employer Practices
Employer Practices Liability Insurance protects against financial costs of lawsuits brought on by employees or former employees; i.e. discrimination, wrongful termination, sexual harassment and breach of employment contract.
Cyber Liability
Cyber Liability Insurance covers against theft, destruction, or unauthorized use of electronic data through computer viruses or network intrusions.
|
|
|
Travel Insurance
Travel Insurance affords coverage for executives and employees against pitfalls associated with travel, also referred to as trip cancellation, trip interruption, lost luggage and default protection.
|
Flood
Flood Insurance covers against loss resulting from a flood or overflow of water not covered under Property Insurance.
|
|
|
