MANAGING RISK
Short Term & Long Term Disability Insurance
Income Protection that pays a monthly benefit to help protect the loss of income in case of a disabling illness or injury
What is covered
- Issue ages 18-60
- Maximum benefits up to $20,000
- Total Disability
- Partial Disability
- Recurrent Disability
- Waiver of Premium
- 2-year Own Occupation Definition
- Presumptive Disability Benefit
- Home Modification Benefit
- Survivor Benefit
- Vocational Rehabilitation Benefit
- Waiver of Premium
Business Overhead Expense Disability
Business Overhead Expense Disability. Income (BOE) Reimburses a monthly amount of business expenses.
What is covered?
- Own occupation definition of disability
- Lease or mortgage payments Employees’ salaries, wages and benefits Utilities
- Business insurance premiums, including property and liability insurance
- Accounting, billing and collection service fees
- Property and payroll taxes
- Interest payments on debts
- Equipment and furniture
- Office maintenance, janitorial and laundry services
- Other fixed expense
BOP Business Owner Policy All Inclusive
BOPs include Property insurance for buildings and contents owned by the company.
What is covered
- Property damage
- Bodily injury
- Personal injury
- Electronic data liability
- Advertising injury
- Damages to premises rented by you
- Medical expenses
- Electronic data
- Supplemental payments
- Defense costs
- Actions of your full time and temporary staff
What is not covered
- Professional services
General Liability
What is covered?
- Bodily Injury
- Damage to third party property
- Personal injury
- Advertising injury
- Electronic data liability
- Medical expenses
- Defense costs
- Actions of your full-time employees and temporary staff
What is not covered?
- Your property
- Vehicles and boats
- Personal identifiable info
- Professional services
- Employee injury / workers' compensation
- Intent to injure
- Known claims prior to start of policy
Professional Liabilty
What is covered?
- Alleged or actual negligence
- Defense costs
- Personal injury (e.g., libel or slander)
- Copyright infringement
- Worldwide coverage
- Temporary staff and independent contractors
- Claims arising from services provided in the past
- Claims and damages
What is not covered?
- Bodily injury or property damage
- Fraudulent acts
- Employment matters
- False advertising
- Patents and trade secrets
- Personally identifiable information
- Other services