Abuse and Molestation

Coverage to defend an organization from allegations of sexual abuse or inappropriate touching.


Coverage for accidental bodily injury to the insured’s volunteers and participants.

Assault or Battery

Designed to cover losses due to physical conflicts between multiple people.


Provides coverage for liability arising out of the use of owned or hired and non-owned autos.

Blanket Additional Insured

Designed to automatically grant insured status to a person or organization that the named insured is required by contract to add as an insured. May apply only to specific types of contracts or entities.

Breach of Contract

Designed to cover economic losses due to a breach of a contract.

Business Income

Property coverage designed to cover a loss of income suffered by a business when damage to its premises by a covered cause of loss cause a slowdown or suspension of its operations.


A form of casualty insurance that covers the policyholder against losses arising from the criminal acts of third parties, for example theft of money.


Coverage for expenses and potentially handling a breach of private information.

Damage to Rented Premises

Designed to coverage damage to premises (and contents) rented to you by the cause of fire, typically occupied by the insured for 7 days or less.

Directors and Officers

Designed to cover directors and officers for claims made against them while serving on a board of directors and/or as an officer.

Employee Dishonesty

Type of business insurance that protects a small business employer from a financial loss as a result of fraudulent acts conducted by an employee or group of employees.

Employment Benefits Liability

Coverage to an employer for errors or omissions in the employer’s administration of its employee benefit program.

Employment Practices

Designed to cover wrongful acts arising from the employment process.

Equipment Breakdown

Covers property damage caused by breakdown to covered equipment.

Event Cancellation

Designed to protect budgeted costs and expenses or revenue should an event be cancelled, abandoned or disrupted due to reasons beyond the insured’s control.

Fine Arts

Designed to protect fine art items or collections at risk of loss, theft or damage not typically covered under a standard insurance policy.

General Liability

Coverage for a variety of an insured’s most basic risks, often required by contract and referred to as slip and fall coverage.

Hired and Non-Owned Auto

Excess liability coverage for bodily injury or property damage that you or your employees cause while driving for work.

Inland Marine

Designed to cover property while in transit.


Designed to provide coverage for bodily injury or property damage caused by an intoxicated person who was served liquor by the policyholder.

Medical Payments

Coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses.

Money and Securities

Insures against loss by theft, disappearance, or destruction of the insured’s money and securities inside the insured’s premises (or insured’s bank’s premises) as well as outside the insured’s premises while in the custody of a messenger.


Designed to cover the cancellation, abandonment, disruption or rescheduling of an event due to the non-appearance of a key speaker, individual, group or specific participants.

Pastoral Professional Liability

Professional liability insurance that covers pastors/religious leaders and their churches/organizations.

Primary Non-contributory Wording

Wording added to a policy that states the policy must pay before other applicable policies without seeking contribution from other policies that also claim to be primary.

Prize Indemnification

Designed to reimburse an organization that must pay out if a participant wins a prize that is promoted by the organization.

Professional Liability

Coverage for alleged failure to perform a service resulting in financial loss caused by an error or omission.


Designed to coverage damage or replacement of property.

Special Events

Short term, one or multi-day policies to protect liability during an event.


Extra liability insurance that goes beyond the limits of the insured’s underlying policies.


Designed to supplement existing insurance policies when the cost of a lawsuit exceeds the limits of liability.

Waiver of Subrogation

Wording added to a policy that prohibits an insurance carrier from recovering the money they paid on a claim from a negligent third party.

Weather Cancellation

Designed to protect event organizers and businesses from weather related revenue shortfalls and extra expenses.