No matter the precautions taken, a company’s operations and activities, including products and how they are distributed, have the potential to cause harm (bodily injury or property damage) to a third party. General Liability Insurance helps protect organizations in the event of these kinds of claims. General Liability policies may also protect against claims alleging personal or advertising injury such as false arrest, invasion of privacy, false advertising, etc.
Important Note: Professional Services are typically excluded by General Liability policies. Therefore, contact one of our consultants to determine if additional coverage such as a separate professional policy is necessary.
Safety first is the best plan. Protective measures such as training and a culture of caution can cut down on the number injuries sustained on the job. However, good business practices require us to have a plan in place should something happen.
Workers Comp insurance provides defense for lawsuits involving job related injuries and are subject to each state’s workers’ compensation statutes. Workers Compensation coverage is not mandatory in Texas, yet non-subscribers assume lots of risk when it comes to legal defenses and costs in the event of a claim.
Important Note: Non-employees such as volunteers are not covered for injuries sustained during their work on your behalf. There are other arrangements which can accommodate this group. Talk with one of our consultants about these options.
Driving around town or even out of town to handle sales calls and other business related activity is necessary for most of us. Business auto insurance policies help protect companies against any claims for bodily injury and property damages to third parties that result from the operation of owned, hired and non-owned vehicles. This is an important piece of your overall business risk management strategy.
It’s also possible to include coverage for damage to owned and hired vehicles if need be. And for organizations that utilize volunteers, coverage should be evaluated using the same standards as company employees.
We are all relying more on cyber technology to run our lives as well as our businesses and that’s not likely to change any time soon. Cyber dependency is touted as one of the most important trends in global development in the next decade. With the migration to these technically advanced tools comes the need to secure them as well as the information they contain.
Directors and Officers Liability
Employement Practices Liability
Employment Benefits Liability
Professional Liability Insurance
Employee Dishonesty Insurance