Additional Insureds
Extends your policy’s liability protection to other individuals or entities when required by contract or business operations.
Computer Coverage
Protects computer equipment, software, and data from covered causes of loss, including damage and certain types of system failures.
Computer Fraud
Covers financial losses resulting from fraudulent transfer or manipulation of money, securities, or property through computer systems.
Condominium Commercial Unit Owners Loss Assessment
Provides coverage when your condo association assesses you for your share of a covered property or liability loss.
Condominium Commercial Unit Owners Miscellaneous Real Property
Insures improvements, fixtures, and other real property within your unit that you are responsible for under the association agreement.
Directors and Officers Liability(claims made) – Condominiums
Protects condominium board members against claims alleging wrongful acts in managing the association.
Earthquake
Covers direct physical loss or damage to insured property caused by earth movement.
Employee Benefits Liability (claims made)
Protects against errors or omissions in the administration of employee benefit programs, such as insurance or retirement plans.
Employee Dishonesty
Provides coverage for financial losses caused by dishonest acts committed by employees.
Employers Liability (Stop Gap) Coverage (Ohio only)
Offers liability protection to employers for employee injury claims not covered by workers’ compensation policies.
Exterior Building Glass – Tenants Coverage
Covers damage to exterior glass that a tenant is contractually responsible for maintaining.
Interior Building Glass
Insures interior glass such as windows, doors, and partitions against covered accidental breakage.
Hired Auto Liability
Provides liability coverage for vehicles you lease, hire, or borrow for business use.
Liquor Liability
Covers businesses held liable for injuries or damages resulting from the sale or service of alcohol.
Mine Subsidence (where available)
Protects property from damage caused by the collapse of underground mines.
Non-Owned Auto Liability
Covers your business for liability arising from employees using their personal vehicles for company purposes.
Ordinance or Law
Pays for increased costs to repair or rebuild property to meet current building codes after a covered loss.
Outdoor Signs
Provides coverage for loss or damage to outdoor signs owned by your business.
Professional Liability
Protects specialized professionals against claims arising from errors, omissions, or professional services provided.
Spoilage
Covers loss of perishable stock due to temperature change or equipment breakdown.
Tenants Liability
Provides liability coverage if you are legally responsible for damage to property you rent or occupy.
Utility Services – Direct Damage
Covers direct damage to insured property caused by interruption of utility services such as water, power, or communication.
Utility Services – Time Element
Covers lost income and extra expenses resulting from a utility service interruption caused by a covered loss.
Water Back-up
Provides coverage for damage caused by the back-up of sewers, drains, or sump pump overflow.
