• Business Liability Insurance
Your Business Owners Policy (BOP) provides coverage for costs arising from claims of injury or damage caused to others by you or your employees. For example:

– Premises and Operations Liability Insurance
Provides coverage for bodily injury and property damage sustained by others at your premises or as a result of your business’s operations.

– Advertising and Personal Injury Insurance
Helps protect your business against claims of financial damages to others resulting from your advertisements. It also provides coverage for claims brought against you because of your actions or statements that are deemed slanderous or damaging to another person’s reputation.

- Employment Practices Liability Insurance (EPLI)
Helps cover claims, including legal defense costs, for employment-related lawsuits brought against you by your employees or job applicants. A limit of insurance is automatically provided, with higher limits available for an additional premium.

- Professional Liability Insurance for Veterinarians
Provides Professional Liability for individual Veterinarians and their employees. Commonly known as Errors & Omissions insurance, Professional Liability insurance is an optional coverage that can be added for an additional premium.

• Building and Business Property Insurance
Your Business Owners Policy (BOP) provides coverage to repair or replace your building and any equipment, inventory, furniture, or fixtures that you own. There’s a lot of additional coverage included, such as:

– Loss of Business Income
Helps reimburse you for your actual loss of earnings for up to 12 months resulting from a covered loss to your property. Extra expenses needed to continue your operations, such as renting temporary office space, are also covered.

– Equipment Breakdown
Helps cover the cost to repair or replace equipment, such as computers, air conditioners, phone systems and steam boilers, from loss or damage caused by mechanical breakdown or artificially generated electrical current.

– Animal Bailee
Provides optional coverage for death or destruction of clients’ animals while in your care, custody or control.

– Computers and Media
Provides coverage for your computers, peripheral devices and media.  Coverage is also provided to help pay for the costs to research, replace or repair lost or damaged data and software as a result of covered damage to computer equipment, certain power failures, or a computer virus. Business Income Coverage also applies to computer equipment, data and software.

– Valuable Papers and Records
Helps protect the value of your time, work and research to re-create your customer records or files if they are damaged or destroyed by a covered loss.  

Additional coverage included:

• Identity Recovery Coverage
The insurance policy automatically provides identity recovery coverage for business owners, including services such as:

– Identity Recovery Help Line
Provides identity theft support for policyholders who suspect they are identity theft victims.

– Identity Recovery Case Managers
Provide assistance in speeding the recovery process.

– Expense Reimbursement
Provides expense reimbursement up to $15,000 for covered expenses arising out of a defined identity theft event.

• Commercial Auto Insurance Coverage
Our policy helps protect you against financial loss resulting from accidents involving the vehicles you use in your business, and offers valuable enhancements.

• Umbrella Insurance Coverage
Provides up to $10 million of additional liability protection.

• Workers' Compensation Insurance
Our state-of-the-art managed care and Return-to-Work program will help you get your employees back on the job as soon as possible.