MANAGING RISK

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. 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 

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 

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

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