This includes art galleries, barber/beauty shops, dance studios, dry cleaners, florists, photographers, printers, repair shops, and a great number of retail stores.
We offer comprehensive package policies for several industries.
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Insurers We Work With
We work with a variety of Insurers but here are a few of our most popular.
Covers permanently attached property on the rented premises that were installed or purchased by the insured.
Business Property (Contents)
Covers loose property on the insured premises.
Coverage for property away from the insured premises.
Typically the building owner covers glass damage, however, some leases require that the tenant cover glass damage, which this covers.
Covers embezzlement of company funds.
Replaces lost income if a covered loss renders the premises uninhabitable. Additional coverage is available for power outages.
Primarily protects your company financially if held responsible for trip and slip-type injuries. At least $1,000,000 coverage is recommended.
Personal and Advertising Injury
Primarily covers defamation and copyright/trademark infringement.
Coverage for injuries or property damage caused by products sold.
Primarily covers data breach that results in a loss of confidential data as well as inadvertent transmission of malware. Recommended if working with confidential data such as social security numbers or payment information.
Employee Benefits Liability
Covers mismanagement of benefits. Would provide coverage if, for example, an employee holds the company responsible for a major medical expense they expected to be covered under the company health insurance plan.
Employment Practices Liability
Covers claims of discrimination, wrongful discipline/termination, harassment, breach of (implied) contract, failure to employ or promote, deprivation of opportunity, and infliction of emotional stress made by employees. Third-party coverage is available to cover claims of discrimination and harassment made by customers, vendors, etc. Keep in mind that even if there is no basis for a claim, defending these claims can be expensive, and this coverage will pay defense costs.
Employer Liability (Stop Gap)
Washington is one of a few states where workers compensation insurance is provided by the state. Although this covers employees when they are injured on the job, unlike coverage provided by private insurers, it does not offer coverage if employees hold your company responsible. This could happen if the employee is not satisfied with the coverage provided by the state. Employer liability (stop gap) coverage fills this coverage gap.
Hired and Non-Owned Auto
Covers your company if held responsible for injuries or property damage sustained in an accident. Hired auto offers coverage while driving vehicles that are borrowed or rented for company business, or paid for using company funds. Non-owned auto offers coverage while employees (including owners) are driving their own personal vehicles for company business.
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