Industry Specialties

It includes property damage, liquor liability, equipment breakdown, and product recall coverage.

Liquor liability is essential and can be included as part of your brewery policy.

Yes, general liability protects against visitor injuries and property damage.

Yes, equipment breakdown coverage protects against mechanical failures.

It includes property protection, liability coverage, and coverage for church vehicles.

Yes, some policies include liability coverage for volunteers.

General liability protects against accidents during events and gatherings.

Yes, policies can be tailored to protect older religious structures.

It includes general liability, workers’ compensation, and tools/equipment coverage.

Yes, self-employed contractors should have liability coverage to protect against claims.

Workers’ compensation is required to cover job-related injuries.

Yes, policies can cover multiple job sites and project locations.

It covers the structure, common areas, and liability for accidents on the property.

Yes, condo unit owners should have personal condo insurance for their belongings.

No, tenants should have renters insurance to cover their personal property.

No, flood insurance must be purchased separately.

It includes liability protection, property coverage, and equipment breakdown insurance.

Independent trainers should have their own liability policies.

Yes, general liability covers injuries that occur on gym premises.

Yes, policies can be customized to include off-site liability.

It includes liability, property damage, and coverage for customer vehicles.

Yes, workers’ compensation is required for employee injuries on the job.

Professional liability can help with disputes over workmanship.

Commercial property insurance protects against fire, theft, and natural disasters.

It includes property protection, general liability, and weather-related damages.

Yes, policies can include coverage for carts and maintenance equipment.

Workers’ compensation protects employees working on-site.

Some policies provide business interruption coverage for weather-related losses.

It includes crop protection, property coverage, and liability for farm operations.

Yes, farm vehicles can be insured under commercial auto policies.

Yes, livestock insurance protects against disease, theft, and accidents.

Yes, policies can include workers' compensation for farm employees.

It includes equipment breakdown, product liability, and commercial property protection.

Yes, it covers lost income if production halts due to covered damages.

Product liability insurance protects against claims related to defective or harmful products.

Yes, policies can include coverage for global product distribution.

It includes general liability, medical malpractice, and business property coverage.

Yes, cyber liability protects against patient data breaches and HIPAA violations.

No, malpractice coverage must be purchased separately.

Yes, systems breakdown insurance covers diagnostic and treatment equipment.

It includes general liability, directors & officers liability, and property insurance.

Yes, volunteer liability insurance protects against claims related to their actions.

Yes, event liability coverage can be added for fundraisers and community programs.

Yes, cyber liability protects against donor data breaches and fraud.

It includes general liability, tenant discrimination protection, and property coverage.

Yes, E&O insurance covers claims related to leasing errors or contract disputes.

Standard policies may not cover intentional tenant damage, but additional endorsements are available.

Yes, many property managers require tenants to have renters insurance.

It includes general liability, liquor liability, and business property coverage.

Yes, spoilage coverage reimburses losses from power outages or equipment failure.

Yes, it’s required for employee injury protection.

Commercial auto insurance is needed for owned delivery vehicles, and hired/non-owned auto coverage is available for employee vehicles.

It includes property protection, liability coverage, and loss of rental income.

Yes, standard homeowners insurance doesn’t cover vacant properties, requiring a specialized policy.

Builders risk insurance can be added for major renovations.

Yes, umbrella insurance extends liability limits across multiple investments.

It includes commercial property, inland marine, and product liability coverage.

Yes, inventory protection covers product loss due to theft, fire, or water damage.

Yes, it covers lost revenue if supply chain disruptions halt operations.

Yes, ocean marine insurance protects products in transit across international borders.