Understanding Insurance:

Insurance - The act of insuring, or assuring, against loss or damage by a contingent event; a contract whereby, for a stipulated consideration, called premium, one party undertakes to indemnify or guarantee another against loss by certain specified risks.

Property – Provides coverage for your building and contents such as desks, inventory, and computers

Business Income – In the event of a claim your income is protected until your business is operational

General Liability – Protects your Organization or Business against claims of bodily injury or property damage to others. Generally, a separate policy must be purchased for Special Events

Workers Compensation – Covers the medical expenses and lost income of your employees in the event they are injured in the course of doing work-related activities. Typically all states require Workers Compensation Insurance

Volunteer Accident Policy – Provides coverage for your volunteers in the event of serious injury. Work Comp does not typically cover volunteers

Directors & Officers – Provides financial protection for the Directors and Officers of your organization in the event they are sued in conjunction with the performance of their duties as they relate to your organization.

Employment Practices Liability – EPLI provides protection for your organization against allegations of sexual harassment, discrimination, failure to promote, wrongful termination and other employment-related liability issues

Special Events – Provides protection to your Organization in the event of bodily injury or property damage to others during your event