Coverage types

• Property and income

  The buildings you own, the projects you are building and the income they produce.

  • Residential property

    Protects investment properties from damage like fire, theft or storms, so landlords keep the value and income of the asset.

  • Commercial property

    Covers buildings, equipment and inventory against fire, theft and disasters.

  • Builders risk

    Protects a construction or renovation project against fire, theft and weather while it is being built.

  • Business income

    Replaces lost income while a covered loss keeps your property or business closed.

  • Flood

    Covers building and contents losses from flooding, which standard property policies exclude.

  • Earthquake

    Pays to repair and rebuild after earthquake damage, another common property exclusion.

  • Mechanical breakdown

    Repairs or replaces essential systems and machinery that fail unexpectedly.

  • Inland marine

    Covers tools, equipment and property in transit or stored away from your premises.

• Liability

  Claims from people affected by your properties, operations, vehicles and products.

  • General liability

    Covers bodily injury, property damage and legal costs arising from everyday operations.

  • Umbrella

    Adds liability limits above your other policies for large, unexpected claims.

  • Commercial auto

    Covers vehicles used for business against accidents, damage and liability on the road.

  • Product liability

    Covers injury or damage caused by products you make, distribute or sell.

  • Environmental liability

    Covers pollution, contamination and cleanup costs tied to your property or operations.

• Professional and digital

  Mistakes in the advice you give, the data you hold and the content you publish.

  • Professional liability (E&O)

    Covers claims of errors, negligence or missed deadlines in the services you provide.

  • Cyber liability

    Covers the cost of data breaches, ransomware and other cyberattacks.

  • Media liability

    Covers claims of copyright infringement, defamation or errors in content you publish.

• People, leadership and contracts

  Your employees, your directors and officers, and the promises your business makes.

  • Workers compensation

    Pays medical costs and lost wages for employees injured or made ill on the job.

  • Employment practices liability

    Covers claims of harassment, discrimination or wrongful termination.

  • Directors and officers

    Protects company leaders from personal liability for decisions made on behalf of the business.

  • Crime

    Covers losses from employee theft, fraud, forgery and other criminal acts.

  • Bonds

    Guarantees performance, payment or compliance on contracts, licenses and permits.

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