Coverage Expertise

Protecting your business can get complicated. We help simplify the process.

We can help you understand the risks you face — and the insurance you need.

Commercial insurance used to be much simpler. If you purchased property, general liability, and worker’s compensation insurance you could feel fairly confident you were covered.

But today’s businesses face increasingly complex risk exposures – beyond anything we could have imagined years ago. The standard insurance package isn’t enough to protect you from today’s new and emerging risks.

To cover these complex exposures, insurance companies have designed new coverages. The downside? These new policies are more complicated and detailed than ever. That’s why you need a broker who understands your business and the highly specialized insurance policies designed to protect you.

What if?

  • Hackers steal your private information
  • Cybercriminals encrypt your data and demand you pay a ransom
  • You lose income because your website goes down
  • You suffer cyber fraud when hackers send instructions to wire funds from your bank accounts
  • Your software product doesn’t perform as expected or allegedly damages a customer’s systems
  • You’re sued over hiring or firing practices
  • Poor investment results lead to an investor lawsuit
  • A defect in your product injures customers in multiple countries
  • An employee traveling in a developing market country is injured and needs to be medically evacuated

Adding to the complexity, a growing number of companies face new, overlapping risks, such as:

  • Fintech companies that face technology, cyber security, and investment advisory risks
  • Medical equipment providers that face product liability, privacy liability, and technology liability risks
  • Hedge fund managers who face lawsuits in their roles as investment advisor, general partner, and director & officers of the firm

We can provide access to important coverages such as:

  • Technology Errors & Omissions
  • Cyber Security & Privacy Liability
  • Crime
  • Directors & Officers Liability
  • Employment Practices Liability
  • Errors & Omissions Insurance (i.e.: Professional Liability or Malpractice)
  • Hedge Fund & Private Equity Management Liability
  • Product Liability
  • Media Liability
  • Kidnap & Ransom
  • International Coverages

The right insurance program can cost-effectively protect you and your business from new and emerging risks. We can help you simplify the complex process of understanding, obtaining, and managing your insurance.