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COMMERCIAL PACKAGE:
Business Personal Property
This insurance will provide protection against physical
damage and theft of all business property, including
computer hardware & software, phones, fax machines, copiers,
furniture, fine art, etc…Property on and away from your
premises needs to be considered.
Business Interruption and Extra Expense coverage is
considered within the Property insurance section. This
provides loss of income and extra expense to restore
business operations after and interruption caused by a
covered physical peril.
Application Form
Commercial General Liability
This provides protection to your company against third
party claims for Bodily Injury or Property Damage. Typical
limits are as follows:
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Aggregate Limit |
$2,000,000 |
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Products/Completed Operations |
$2,000,000 |
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Personal & Advertising Injury |
$1,000,000 |
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Premises Damage |
$250,000 |
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Medical Expenses |
$10,000 |
Application Form
Workers Compensation & Employers
Liability
Work Comp provides protection for your employees' 'on the
job' injuries. In Georgia, there is no limit of liability
assigned to Work Comp claims. Employers' Liability protects
your company against any additional claims made on behalf of
an injured employee.
Application Form
Intellectual Property / Multimedia
Liability
These policies protect your company from various third
party claims alleging:
- Copyright, Trademark, Trade Name, Trade Secret
and Source Code infringement or violation.
- Theft of another company Intellectual Property
(i.e. - your business is sued because a competitor
believes one of their former employees is creating
similar software applications for your company).
- Libel or Slander claims arising from your
control and/or use of a particular Network or
Internet (i.e. - your company controls access to and
use of a chat room - a user or group of users
complains that another user is defaming another
company, person or employee).
Application Form (AIG)
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FAQ's:
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PROFESSIONAL COVERAGE:
Directors & Officers Liability
This policy protects the Insured Organization and the
individual Directors & Officers against accusations of
mismanagement arising from a fiduciary responsibility.
Accusations of mismanagement may take the form of the
following types of claims:
- Failure to take action or stop action that
results in financial loss.
- Inefficient administration or improper selection
of outside firms to perform work.
- Misuse or misdirection of funds.
- Exceeding the authority granted the Board of
Directors by the Charter or By Laws.
- Unwarranted distributions or compensation.
- Imprudent loans or violation of loan covenants.
- Failure to disclose accurate financial
information.
- Improper sale or disposal of assets.
Application Form (Lloyd's
ERisk)
Employment Practices Liability
This coverage
insures corporate Directors & Officers as well as the
Corporate Entity against claims alleging and/or arising from
Employment Practices that might be in violation of federal
and local laws protecting employees. The term "wrongful act"
in this means any breach of duty, neglect or error or
misstatement with regard to employment practices. The
exposure may take the form of any of the following types of
claims:
- Sexual Harassment
- Discrimination (race, creed, color, nationality,
age, etc.)
- Wrongful Termination
- Constructive Discharge
- Whistle Blowers / Retaliatory Discharge
- Americans With Disabilities Act
- Failure to Promote or Hire
- Negligent Hiring / Negligent Supervision
Application Form
(Lloyd's ERisk)
Technology Errors & Omissions Insurance
Provides third party liability protection against your
Technology Product or Service's "Failure To Perform", which
is EXCLUDED in the General Liability policy. These types of
claims vary depending on the nature of your company's
operations; thus, coverage must be custom-tailored to meet
your specific needs.
Traditional E&O
Application (Chubb)
Internet Related E&O
Application (AIG)
Network Security and Website Liability
- Depending on your use of a Network or the Internet,
coverage can be obtained to protect your business against
the following types of claims:
- One of your client's sensitive or critical
information is lost, stolen, or improperly
distributed via your Network or your use of the
Internet. (Third Party).
- Your company's critical information is lost,
stolen or encrypted. (First Party).
- Your Network is hacked, and slanderous or
defamatory material is distributed through your
Network or Internet against one of your clients or
competitors.
- Your Network is hacked, and your clients' data
is stolen or altered. A virus is spread to one of
your clients via your Network or use of the
Internet.
Application Form (AIG)
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