Directors & Officers

Directors & Officers insurance provides protection and legal defense of directors, officers and certain other individuals associated with an organization that may be found legally liable for [...]

Employment Practices


Employment Practices Liability Insurance (EPLI) provides coverage from liability arising out of claims for injury to an employee because of an employment-related offense, such as wrongful [...]

Professional/Errors & Omissions


This coverage is designed to protect professionals (e.g., accountants, attorneys) and quasi-professionals (e.g., real estate brokers, consultants) against liability incurred as a result of errors [...]



This coverage is used to insure against claims arising out of your ownership, maintenance or use of premises, including any operations that are in progress.



This coverage protects your business from claims arising from alleged bodily injury, personal injury (false arrest, detention or imprisonment, malicious prosecution, wrongful eviction, slander, [...]

Loss Sensitive/Retrospective Rating Plans


A policy plan that makes an adjustment to premium after policy expiration, based on losses generated during the policy period. The adjustment can go up or down, within set parameters, based on [...]

Excess Workers’ Compensation


An excess insurance policy is written to indemnify the self-insured employer for workers’ compensation claims (and employers’ liability claims) exceeding a designated dollar amount (self-insured [...]

Self Insured


When an employer is qualified to meet certain state-mandated requirements, it may choose to self-insure its workers’ compensation obligations. This requires pre-approval from the state agency [...]



Improves cash flow by eliminating large deposit premium payments, and automatically calculates premiums based on actual payroll data. This helps to minimize the potential for year-end audit [...]

Fully Insured/Guaranteed Cost


A policy that is not subject to premium adjustment due to losses that occur during the policy term. The only variable affecting premiums is payroll by employee classification.

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