commercial insurance
- Animal Mortality insurance
- Basic livestock coverage
- Crop Insurance
- Disruption of Services or Spoilage
- Equipment/Machinery Breakdown
- Escaped Livestock Liability
- Extended Livestock
- Farm dwelling and personal property
- Farm Machinery & Equipment
- Farm operations liability
- Outbuilding & Structures
- Peak Season coverage
- Personal Liability
- Pollution & Chemical Drift Liability
- Product Liability (Farm Products)
- Carrying goods or passengers
- Conviction and Accident waivers
- Depreciation waiver
- Garage auto package (lot theft, non-owned autos, dealer plates, etc.)
- Hired auto liability
- IRCA v. Fleet rating
- Loss of use
- Non-owned trailer
- Operations CGL
- Optional v. Mandatory accident benefits
- Physical damage covers: All perils, comprehensive, collision, DCPD
- Tools/Cargo/Attached Equipment endorsement
- Aircraft Hull Insurance (Physical Damage)
- Airport/Premise Liability
- Aviation’s Products & Completed operations liability
- Ground Risk (Motionless or Taxiing)
- Hangar liability
- In-flight medical payments
- Non-owned Aircraft Liability
- Passenger Liability
- Public Liability
- War, Hi-Jacking, & Terrorism Risk
- Consequential loss
- declared value v. $/unit
- Loading and unloading operations
- Motor Truck Cargo
- Owner’s goods/Transportation floater
- Refrigeration breakdown/spoilage
- Rigging and heavy equipment handling
- Storage in transit
- Temperature controlled goods
- Temporary warehouse
- Terminal limit
- terminal limit,
- Warehouseman legal liability
- Abuse & Injury coverage
- Employee benefits liability
- Employer’s liability
- Excess/Umbrella Liability
- Host liquor & forcible ejection
- Non owned auto liability
- Personal and advertising injury liability
- Premise Liability (slip & falls)
- Products and completed operations liability
- Tenant’s legal liability
- Third party bodily injury and property damage
- Builder’s risk
- Commercial general liability (CGL)
- Course of Construction (COC)
- Completed operations liability
- Contractor’s pollution liability
- Debris removal and scaffolding re-erection
- Loss of rental income or revenue
- Contractual liability
- Hard costs & soft costs
- Wrap up liability
- Materials & supplies in transit
- Off-site storage
- Contractors tools and equipment
- Business Interruption
- Crisis management and public relations
- Cyber extortion and ransomware
- E-Crime/Cyber crime
- First Party (Direct operational costs)
- Funds transfer fraud
- Hardware replacement
- Network and Privacy Liability (3rd party)
- Social engineering
- Third Party (Liability and defence)
- 1st party clean-up & remediation costs
- 3rd party bodily injury liability
- 3rd party clean-up costs
- 3rd party property damage liability
- Business interruption and loss of income
- Legal defence expenses
- Natural Resources Damages (NRD)
- Non-Owned Disposal Site (NODS) coverage
- Sudden & Accidental vs. Gradual Contamination
- Transportation Pollution Liability
- Commercial Crime & Fidelity
- Director’s & Officers (D&O)
- Employee crime
- Employment Practices
- Fiduciary liability
- For Private, Public or Non-Profit companies
- Kidnap, Ransom & Extortion
- Side A, B & C coverages
- Worker’s Compensation
- Financial & Accounting breaches
- Legal & Regulatory Non-Compliance
- Asset & IP Ownership Issues
- Operational Misstatements
- Tax Indemnity/Liability
- Contingent Liability
- Special Litigation Insurance
- Allegations of misconduct or malpractice
- Breach of contract or duty
- Fiduciary bonds
- Legal defence costs
- Loss of client data or documents
- Miscellaneous E&O
- Misrepresentation or inaccurate advice
- Professional negligence & errors
- Subcontractor & independent contractor protection
- Technology specific E&O
- Building (permanent fixtures, HVAC, etc.)
- Business interruption (Actual Loss Sustained v. Profits)
- Contents (furniture, computers, improvements/betterments etc.)
- Crime (employee theft, identity theft, etc.)
- Equipment breakdown (Boiler & Machinery)
- Extra expense coverage
- Fire, flood, earthquake, sewer backup,etc.
- Machinery/Equipment (replacement cost vs. actual cash value)
- Personal property of others (bailee)
- Rental income
- Stock (actual cash value, food spoilage, etc.)
- Contamination
- Design defects
- Legal defence costs
- Manufacturer defects
- Marketing defects (warning failures)
- Product discontinuation / Efficacy coverage
- Product recall expense
- Settlements and court judgements
- Spoilage
- Third party bodily injury and property damage
- Vendors endorsement
