You can't satisfy everyone, and some times accidents happen. General Liability coverage offers protection again third-party law suits.
Accidents or workplace illness as determined by state regulatory authority are covered by Workers Compesation coverage. This coverage is required by law. Benefits include medical rehabilitation expense, lost wages and death benefit. Terrorism and pandemic disease are not excluded.
Vehicular operations may result in third party liability claims and/or physical damage to the vehicle leased, owned, or operated by the client.Regardless of vehicle ownership, clients are still exposed to liability or other expense resulting from operations of vehicles by another on its behalf.
Property Insurance provides payments when the physical assets owned or leased by the organization are lost, damaged or destroyed by a covered cause of loss. It also can cover any associated loss of income and extra expenses caused by such damage. Commonly referred to as “Fire” insurance, Property Insurance can protect against a wide array of “perils” including Fire, Windstorm, Vandalism, Theft, Water Damage / Flood, Earthquake and more.
Professional Liability, also known as Errors & Omissions or Malpractice Insurance, protects businesses that provide professional advice and services to individuals and companies. It protects business owners from bearing the full cost to defend themselves against a claim of negligence made by a client, as well as damages awarded in a lawsuit, if found guilty.
Directors and Officers
Directors and officers liability Insurance is a liability policy payable to the directors and officers of a company, or to the organization(s) itself, as indemnification for losses or advancement of defense costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers.