Coverage

General Liability

Commercial general liability, personal and advertising injury liability, products and completed operations, damage to leased or rented premises,  fire legal liability, employee benefits liability, stop gap – employers liability, and abuse and molestation liability

Commercial Property

Earthquake, flood, business income with extra expense, electronic data processing, newly acquired or constructed property, and valuable papers / accounts receivable

Business Auto

Automobile liability, underinsured motorist, non-owned / hired auto liability, garage-keepers liability, auto physical damage, and hired auto physical damage

Wrongful Acts

Directors and officers liability, errors and omissions, employment practices liability, and sexual harassment

Miscellaneous Professional Liability

Counselors, Therapists, Nurses, EMTs, Paramedics, Psychologists, Physical Therapists, Occupational Therapists, and Social Workers

Crime

Employee dishonesty, forgery and alteration, and theft, disappearance, and destruction

Equipment Breakdown

 Includes Property Damage, Business Income, and Extra Expense