Business Insurance

Business Auto

This coverage is available to protect your business from the liability associated with operating automobiles. Coverage is available for owned, non-owned, and hired vehicles including autos, trucks, vans, tractors and trailers. Physical damage coverage is also available.

Business Property

Covers buildings or business property, including office equipment, computers, inventory or tools. Additional coverage can be added that will protect you if you have a fire, vandalism, theft, smoke damage, etc.

General Liability

This coverage protects your business from claims arising from alleged bodily injury, personal injury or property damage liability. It includes protection for services you render or products you sell. Coverage payments can include judgments, attorney fees, court costs, or other related expenses.

Professional Liability

This coverage is used to insure against claims arising out of negligent acts, errors or omissions in the rendering or failing to render professional services as defined in the policy.

Workers Compensation

State law requires that almost every employer provide Workers Compensation insurance for their employees. This insurance provides coverage for accidents or disease arising from employment as prescribed by these state laws. Benefits can include lost wages, medical expenses, and permanent disfigurement/disability payments.

Employment Practices Liability

This insurance is used to protect against lawsuits by employees alleging wrongful termination, discrimination, harassment, or other specified employment related exposures.

Umbrella and Excess Liability

This policy provides protection against catastrophic liability claims. The policy acts as an excess over your primary liability policies. Its limits apply in addition to that provided by the underlying coverage.

Directors & Officers Liability

This insurance is used to insure against claims arising from the negligent acts, errors, or omissions alleged to have been committed by present or former directors and officers of your corporation.

This type of professional liability is usually written as a separate policy that consists of two parts: coverage for the personal liability of directors and officers and coverage for the company or institution for the acts of its directors and officers. In addition, individual policies can often be further customized by purchasing various coverage options or by removing one or more policy exclusions. Common examples of options include full prior acts protection or coverage for ERISA Act Liability. Common modifications of exclusions include claims involving regulatory agencies, discrimination/wrongful termination, insureds vs. insureds, or failure to maintain insurance.

Inland Marine

Covering products, materials and equipment that are mobile or transportable in nature, many Inland Marine policies insure property no matter where it’s located.

Whether you are working off-site, shipping or transporting goods, or need coverage on contracting equipment Inland Marine Insurance can protect several classes of property, including:

  • Property in transit. Provides protection for your or your client’s goods while they are in transit to another location.
  • Property in your temporary care. Many restaurants exhibit artwork from local artists. These businesses are temporarily in possession of someone else’s property.
  • Property that stays in a fixed (but movable) location. This might cover the cooking equipment in a food truck (but not the truck itself).
  • Property that moves around. This can cover tools at job sites, storage yards, and points in between.
  • Property that aids in the transfer of information This may include everything from servers to laptops, communications and networking equipment.
  • Unique or valuable property. Your business may have special decorations or artwork that can’t be insured with standard policies.


Cyber insurance commonly covers your business’ liability for a data breach relating to sensitive customer information, such as credit card numbers, account numbers, driver’s license numbers, Social Security numbers and health records.

Real Estate Investment Properties

realprotect insurance program has been designed specifically with portfolios of 5 or more properties, real estate investor in mind. Whether you own 5 homes or thousands, realprotect can help you reduce your insurance costs and properly manage your risk.