Services offered through our licensed property & casualty agents and affiliated brokers.
Directors & Officers
D&O coverage, or Directors and Officers liability insurance, is a type of insurance that protects the personal assets of directors and officers of a company from losses or liabilities that may arise from wrongful actions or decisions made in their professional capacity. It covers legal defense costs and any settlements or judgments that may result from a lawsuit. D&O insurance is typically purchased by the company to protect its directors and officers from personal financial loss in case of a lawsuit brought against them as a result of their decisions made in the course of their duties.
Errors & Omissions
Error and omission coverage (E&O) is a type of insurance that protects professionals, such as insurance agents, consultants, and real estate agents, from liability resulting from errors or omissions in their work. It can also be called professional liability insurance. It covers the cost of defending against a lawsuit, as well as any damages that may be awarded in the event of a settlement or judgement.
Professional Liability insurance, also known as Errors and Omissions (E&O) insurance, is a type of insurance that protects professionals such as lawyers, consultants, architects, and engineers from financial losses resulting from claims of professional negligence or errors and omissions. It covers the costs of legal defense, settlements, and judgments, up to the policy limits. This type of insurance is designed to protect the professional's reputation and assets in case of a lawsuit alleging that they failed to provide the level of service or expertise that was expected of them.
Trustee Liability insurance is a type of insurance that provides protection to trustees of trusts against claims arising from their actions or omissions while acting in their capacity as a trustee. Trustees are individuals or entities who are responsible for managing and protecting assets that are held in trust for the benefit of others. Trustee Liability insurance covers the cost of legal defense and any resulting settlements or judgments, up to the policy limits. This type of insurance is designed to protect trustees from the financial losses they may incur as a result of a lawsuit alleging that they have failed to fulfill their duties as a trustee.
Cybersecurity insurance is designed to protect businesses and individuals from the financial losses and liabilities that may arise due to cyber attacks or data breaches.
Cyber attacks can result in a variety of losses, including theft of sensitive information, business interruption, reputational damage, and costs associated with recovering from the attack. Cybersecurity insurance policies can provide coverage for these losses, including expenses related to legal fees, public relations efforts, and customer notification.
Cybersecurity insurance policies may include coverage for a variety of risks, such as:
Data breaches: Coverage for losses related to unauthorized access to sensitive data, including personal information of employees, customers, and clients.
Business interruption: Coverage for losses related to business interruption resulting from a cyber attack or data breach, including lost revenue, extra expenses, and other costs associated with resuming business operations.
Network security liability: Coverage for losses resulting from network security failures, such as denial of service attacks or malware infections.
Cyber extortion: Coverage for losses resulting from extortion or ransom demands by hackers.
It's important to note that cybersecurity insurance policies can vary widely in terms of coverage, exclusions, and limits. Individuals and businesses should carefully review the policy terms. Additionally, cybersecurity insurance policies are typically designed to complement, rather than replace, a comprehensive cybersecurity strategy that includes technical controls, employee training, and incident response planning.