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Media and Web Design Insurance

You worry about the design. We’ll handle the media and web design insurance.

Creativity is subjective, leaving you open to risk.

Creativity underscores everything for media and web designers. You use your imagination and design skills to produce beautiful and effective logos, websites, graphics, and more to get your clients’ vision across. However, creativity is by default a subjective business. This means you and your client might not see eye to eye on your work. For this reason, including errors and omissions liability insurance (E&O) in your media and web design insurance coverage. It helps to protect your business in the event a client sues you because they feel the final product you presented isn’t up to their expectations. Also, it offers coverage for suits related to your own negligence, like missed production deadlines, broken links, and much more.

Content rules the internet.

Media and web designers produce content. You create graphics, logos, images, and even websites themselves, consistently producing and using content. Sometimes, especially when it comes to images, ownership can be hard to track down and you may end up using something that is already copyrighted. Or, the content you produce could result in a slander or libel suit against you. In order to protect yourself from losses associated with these situations, you’ll need general liability insurance as part of your media and web design insurance plan. Also, general liability insurance helps cover a range of other potential risks like damage to clients’ property and injuries to visitors of your business.

Cover vital equipment with media and web design insurance.

Your business uses computers, data, and media daily, so what happens if they get damaged? Your business could take a hit. Therefore, in order to protect yourself, consider adding electronic data processing insurance (EDP) to your insurance coverage. This may be sold as a separate policy or a part of your larger commercial property insurance. This coverage may also help protect computers and other hardware, data such as software and other programs, and electronic media. However, carriers vary in how they define and cover these various categories. As a result, you should ask questions about what is and isn’t covered by your policy. For example, check to see if your policy covers losses resulting from a virus or hack. EDP plans may also help your business with the loss of income resulting from computer, data, and media damage.

How much does media and web design insurance cost?

The cost of your policy may vary based on a number of factors, including how many employees you have, where you are located, the type of services you offer, and the scale of business you conduct.

Does your media and web design business need insurance?

Web design businesses of all types need insurance, whether you focus on designing blogs, e-commerce websites, business websites, personal websites, or online brochures and catalogs.

The business side of media and web design insurance.

Just like any other business, there are some general coverages you should consider as part of your media and web design insurance policy. Since you work heavily with computers and the internet, it could leave you vulnerable to cyber-attacks. Cyber liability insurance may help protect your business from losses resulting from a hack or data breach. If you operate your business outside of your home, commercial property insurance can help cover the building and most of its contents should they be damaged by a covered event. You can also obtain business owners insurance. This type of policy offers balanced coverage that combines the benefits of general liability insurance and commercial property insurance into one policy.

Are you interested in media and web design insurance? Contact us to discuss your coverage options.

Masonry Contractor Insurance

Protect your business layer by layer with masonry contractor insurance.

Protect your business with masonry contractor insurance.

Two very important insurance coverages for masonry contractors include general liability and commercial property insurance. General liability insurance may offer protection in the event someone is hurt on your property or a job site. It may also cover the cost of damage you do to someone else’s property. Commercial property insurance helps protect your office, storage sites, materials, equipment, and supplies. Both of these are typically combined into a business owners insurance policy (BOP). In addition to these, you may also want to consider the following coverage options in your masonry contractor insurance policy:

Protection for the structures you build.

Clients expect your work to last for a significant amount of time, long after you finish the project. But what happens when it doesn’t, either because of a mistake or inferior materials? Completed operations insurance may provide protection if something like this goes wrong or the client is unhappy with the work you did. This coverage is often part of your general liability insurance policy, but if not, consider adding it on.

Covering your business, wherever it may be.

Masonry contractors need to travel between job sites frequently. As a result, whether using a personal vehicle for business or a fleet of vans and trucks, business auto insurance may help offer protection if any of your vehicles cause damage or bodily injury. Also, you need insurance for the specialized tools and equipment your vehicles are carrying as well, and securing an inland marine insurance policy may help pay for damage or loss while in transit.

The structure you’re building needs coverage too.

Builders risk insurance provides coverage for whatever you’re building during construction. Similarly, you may also see this called a course of construction policy. Inland marine insurance policies may include builders risk coverage, or it may also be purchased as a standalone policy. Regardless, covering your work in progress with insurance may help protect you from substantial risk.

Essential coverage for masonry tools and equipment.

Without your tools and equipment, you can’t work. Things like mortar mixers, chisels, saws, brick hammers, and other tools could get lost, damaged, or stolen. Paying out of pocket for repair or replacement can be financially draining. Specialized contractor’s tools and equipment coverage offers necessary protection to help keep your jobs on track.

Help cover the risks associated with your business.

When all is said and done, you’re still running a business. There are some insurance coverages that can benefit businesses in almost any industry, including masonry. For example, cybercriminals often target small to mid-size companies, so cyber liability insurance may provide valuable protection. If an employee files a suit alleging discriminatory hiring or firing processes, employment practice liability insurance (EPLI) may help pay for the cost of defense and damages awarded.

Ready to discuss the unique insurance needs of your masonry contractor business? Contact us to learn more about masonry contractor insurance.

Mechanical Contractor Insurance

Help protect your business during the construction process with mechanical contractor insurance.

Insurance designed for your unique business.

A business owners insurance policy (BOP) is often the foundation for a solid mechanical contractor insurance program. Also known as a BOP, it usually includes general liability and commercial property insurance. General liability insurance offers financial protection should your business cause bodily injury or physical damage to a third party. It may also pay for legal costs associated with defense. Commercial property insurance helps cover your office, storage, workshop, materials, equipment, and other business property.

Additional liability protection—just in case.

No one plans on mistakes or errors when they’re working on a job. However, they still can happen. Errors and omissions liability insurance (E&O), sometimes called professional liability, provides coverage in the event it is alleged that you made an error in your work. This policy may help pay for legal defense and damages awarded.

Mechanical contractor insurance for a business on the move.

As a mechanical contractor, you and your crew are likely moving from location to location. Depending on your operation, you may have just a few vehicles or a large fleet of vans and trucks. Regardless, you should consider business auto insurance to help protect your business. If one of your vehicles is involved in a collision, business auto insurance may pay for bodily harm or damages you’re held liable for. You can also purchase coverage that may pay for physical damage to your own vehicles. If your employees use personal vehicles to travel to job sites or you sometimes rent larger vans or trucks, consider obtaining hired and non-owned auto insurance to help protect against additional risks.

Your equipment and supplies also carry risks.

Mechanical contractors require specialized tools and equipment, as well as supplies, which must be transported from a warehouse, office, or storage facility to the work location. If they are damaged, lost, or stolen while en route, inland marine insurance may help cover the cost of replacement or repair.

Cover your work even after the job is complete.

Completed operations insurance offers protection after your work on the project is done. For example, it typically provides coverage for accusations of negligence that result in injury or property damage, as well as breach of contract. Attorney fees, court costs, and awarded damages are generally covered. Completed operation insurance is often included in a general liability policy, but it is always a good idea to double-check.

How much does insurance cost for mechanical contractors?

The cost of coverage may vary on a number of factors, including the scale of your operations, the number of employees you have, the types of equipment and vehicles you use, the types of projects you work on, where you are located, among others.

Risks associated with the business side of your operation.

Mechanical contractors, while in a unique industry, are still a business. Therefore, they require some business insurance policies that are necessary across industries. For example, workers’ compensation insurance is required in most locations, but it’s especially important for mechanical contractors, as there is a higher risk that your employees could be injured on the job. Additionally, cyber liability insurance may help pay for costs associated with a cyber hack or data breach.

Contact us to learn more about mechanical contractor insurance for your business.

Manufacturer Insurance

Whatever you manufacture, protect your business with manufacturer insurance.

Protect the products you make and distribute.

If you make and distribute products, standard business insurance might not be enough. A dedicated manufacturer insurance policy may cover the specific risks you face, leaving you free to concentrate on your business.

Coverage every manufacturer needs.

There are certain coverage options in your manufacturer insurance policy that are beneficial for most businesses in the industry. They may protect your business from the unexpected risks you face on a day-to-day basis, whether it’s the production of the products, or shipment of them.

What does manufacturers’ selling price mean?

A key policy point to look for is a manufacturers’ selling price clause. This means that if your stock is damaged or destroyed by a covered event, you may get a payout reflecting the price you would have sold the items for—not the price you paid for the raw materials.

The benefits of errors and omissions liability coverage.

You should also look for errors and omissions liability coverage. This goes beyond the usual business insurance that protects you against claims of property damage and injury caused by your products. It adds coverage for claims of financial losses. For example, if your customers say their business was hurt by a fault in your product, your coverage may help protect you from that claim.

Be prepared for potential product recalls.

Also consider product recall insurance, which kicks in if you’re forced to recall a product because it might cause harm. This insurance covers not only the costs of getting the product back to you but also safely disposing of the stock. Some policies may even cover legal costs or public relations expenses.

Consider covering your business with manufacturer insurance. Contact us to discuss your business needs and coverage options.

Livery Insurance

You get your customers from place to place. We’ll handle the livery insurance.

What is livery insurance?

Also known as for-hire livery insurance, it is a form of business auto insurance designed specifically for commercial vehicles that are used to generate revenue by transporting people. To narrow it down further, a livery service is one in which the transportation is scheduled ahead of time or occurs on a scheduled route—like a bus. Therefore, if your business only transports people incidentally, such as a hotel shuttle, you most likely won’t need this coverage. This coverage also doesn’t apply to vehicles for hire that is driven by your customer.

What’s the difference between livery and auto insurance?

Livery and auto insurance share a few key differences. In the case of business auto insurance, the company at large often holds the policy to cover their vehicles. For instance, if you drive a taxi, you may believe you’re fully covered under the company’s business auto policy. However, that may only cover their liability and not your own or the costs of damages to your vehicle. The same applies if you’re a rideshare driver. Damages to your personal vehicle may not be covered by the rideshare company’s insurance, and you most likely won’t be covered by your personal auto insurance either since you were using the vehicle for commercial purposes. Here are some different commercial vehicles that may benefit from this type of coverage:

Coverage for taxis.

The type of taxi service you offer may determine whether your business needs livery coverage or not. If you operate a traditional taxi business, where customers hail cabs at the moment, your insurance needs may differ. If your taxi service offers pre-scheduled pick-ups and transportation, you’ll want to consider some form of livery insurance coverage. Taxi insurance as part of your policy may also cover vehicles that may not be considered traditional taxis, such as airport shuttles or sightseeing tour buses.

Coverage for limousines.

People love to splurge and travel in style every once in a while. Black car and limousines services usually involve pre-arranged transportation in a luxury vehicle with a specific pick-up and drop-off location and time. If you offer a black car or limousine transport service, you’ll want to consider coverage to help cover your business.

Coverage for non-emergency medical transportation.

Select insurance carriers will offer livery insurance coverage for non-emergency medical transportation (NEMT). These companies offer pre-arranged transport to medical treatment appointments for those who have difficulty traveling to them. For instance, a medical shuttle service that picks riders up from a senior home and takes them to their doctor’s appointments would want to consider livery coverage.

Livery insurance and rideshares.

The popularity of rideshare services like Uber and Lyft has risen exponentially over the past few years thanks to their convenience and the availability of drivers. However, your basic auto insurance most likely won’t cover the use of your vehicle for rideshare purposes. This coverage helps protect your vehicle for commercial uses and may extend the limits of your liability coverage. The specifics of your policy may vary depending on your needs as a rideshare driver.

The nitty-gritty of insurance for livery services.

Livery insurance requirements vary by the location of your business, sometimes down to the city you operate in. This may also help determine the cost of your coverage. Insurers calculate your premiums using factors like the city and region in which you operate, your previous driving record, vehicle use, and coverage needs. You’ll want to consider a policy that meets local or regional requirements and offers you the protection your business needs.

Are you ready to learn more about livery insurance? Contact us to discuss your insurance options.

Machine Shop Insurance

The services you provide are critical. So is having machine shop insurance.

Insurance helps protect essential equipment.

The work you do requires specialized equipment. Without it, you’ll be unable to run your business. Protect it with commercial property insurance that addresses the high value of your machinery. Systems breakdown insurance may also help cover the cost of repair and replacement of the mechanical equipment you rely on in some cases. Here are some examples of equipment that may be covered in a machine shop insurance policy:

Coverage for the products you make.

Other businesses and consumers are depending on your expertise and they expect your work to be flawless. However, mistakes can still happen. Therefore, consider both product liability and product recall insurance. If your product is defective and causes injury or damage to a person or their property, you could be held liable. At that point, you might be forced to recall a product. That’s where product recall insurance comes into play, as it may help cover the high costs of dealing with that recall.

Protection against the byproducts of your work.

Machine shops can potentially create environmental hazards. For example, solvents, chemicals, and paints can contaminate the air, water, and ground in and around the property. In addition, damage can spread beyond the property, creating a third-party claim. Having an environmental insurance policy may help to cover the costs of court and attorney fees, damages awarded, and clean-up costs for environmental-related incidents.

Planning for times your business is inoperable.

If your business closes due to a fire, for example, you can’t make your products and you can’t generate revenue. Business interruption insurance may provide funds for operational costs and even a temporary location. Riders are available to help cover situations where a break in the supply chain means you don’t have access to materials you need to operate.

Don’t neglect the business side of your organization.

Cyber liability insurance can protect your business in the event of a cyber-attack or data breach. If vehicles are owned by your company, business auto insurance is a must. Consider hired and non-owned auto insurance if employees use their own cars for business purposes. Employment practice liability insurance (EPLI) offers protection against allegations of discrimination and harassment.

Are you interested in machine shop insurance for your business? Contact us for more information.

Landscaping Services Insurance

Focus on your work worry-free with landscaping services insurance.

Go beyond basic general liability.

Every business has the potential to harm, damage, or injure another business or person. That’s why businesses need general liability insurance. However, it’s not so simple for landscapers. This is because the bulk of work performed is on your clients’ properties. Your employees could damage a patio, deck, or other expensive structure. Your client could trip over equipment left out on the lawn. Chemicals like herbicides could create a hazardous spill or injure someone. Also, if you subcontract any work, you can be held liable for damage subcontractors do as well. Here’s what your landscaping services insurance policy may include:

Umbrella insurance may provide greater protection.

In the case of significant damage to property or serious injury to a non-employee, there’s a high risk of being sued. Defense of lawsuits can be quite costly. If damages are awarded to the other party, a large enough sum could exceed the limits of your standard liability policy. A commercial umbrella insurance policy provides additional protection with higher limits and typically broader coverage. This coverage extends not only over your general liability policy but also many other coverages as well.

Don’t leave your equipment unprotected.

Your landscaping business uses specialized and expensive equipment. Your tools and machinery are also commonly moved from job site to job site. This increases the risk that they could be damaged or stolen. Without it, you can’t perform your work. Your insurance policies should protect your high-value items in case they need to be replaced or repaired.

Workers’ compensation insurance for landscapers is a must.

Workers’ compensation insurance is typically mandatory but the specifics can vary in different locales. Given the physical nature of your work as a landscaper, the proximity to chemicals, and the skill necessary to use certain equipment, there’s an increased risk your employees could become injured or even killed on the job. Having adequate workers’ compensation coverage in place may help protect your business and your employees. Your insurance company must also be aware of the locations of job sites so that policies are accurate and inclusive.

Hauling your equipment requires business auto insurance.

Your employees are driving all over town to work at different locations throughout the day. There could be other employees in the vehicle with them or they could be carrying equipment. In addition to pickup trucks and vans, you may also have dump trucks, riding mowers, excavators, and other vehicles in use. Your business auto insurance policy should include protection for the vehicles that your business owns.

Other business insurance policies should be considered.

Landscaping services insurance programs should also include policies geared toward the business side of things. Cyber liability insurance offers protection in case of a data breach of customer records. Your landscaping business likely owns the property to store equipment and office space, which would necessitate commercial property insurance. You’ll also want to consider employee theft coverage and employment practice liability insurance in case of dishonest workers or claims of harassment against your company.

Contact us to discuss your landscaping services insurance needs and to find out how you can help protect your business.

Legal Professional Insurance

Help safeguard your business with legal professional insurance so you can continue practicing law.

What is lawyers professional liability insurance?

Lawyers professional liability insurance is one of the most important coverages you can obtain as part of legal professional insurance coverage. Also referred to as legal malpractice insurance, it is a lawyer-specific form of errors and omissions liability insurance (E&O). This coverage may help protect you if a client files a malpractice claim against you. Whether it’s over missed deadlines, bad advice, conflicts of interest, or misinterpretations of the law, these suits can be brought against you for any alleged breach of ethical conduct. Unfortunately, it’s also common for clients to file them after a legal result that didn’t go in their favor. An important thing to note, however, is that it only covers your firm and attorneys acting in a legal capacity.

Who needs lawyers professional liability insurance?

Every lawyer needs lawyers professional liability insurance as part of their legal professional insurance coverage, regardless of the size of your practice or what type of law you practice. However, there are some factors that can put you at greater risk for malpractice suits. For instance, if you’re a large law firm that handles numerous clients, you’re at a higher risk of being sued based on your client volume alone. When it comes to the type of law you practice, those lawyers dealing with personal injury, trusts, loan modifications, and intellectual property tend to be at higher risk due to the personal nature of their cases. Clients may also have impractical expectations of payouts and legal results, causing disagreements.

Get protection for your important files and documents.

We’ve all seen the movies and TV shows that show a lawyer’s office filled with expensive law book collections and rooms dedicated to file storage. But what we don’t see is what happens when, for instance, a pipe bursts and ruins all of those files. Having coverage in place as part of your legal professional insurance policy is important. Valuable papers and records insurance may provide coverage in the event that your files and documents are damaged in a covered loss. This could help offset the costs of replacing them. If you’ve gone paperless and all your files are stored digitally, computers and media insurance works in a similar fashion. This may cover the costs associated with damaged hardware, data loss, and even damage caused by viruses and malware.

Law is a competitive field. Make sure you’re covered.

If you’re a solo practitioner, you probably don’t have to worry about this one. However, firms that employ attorneys and staff could benefit from employment practice liability insurance, or EPLI. You know as well as anyone how competitive law is, especially when there are things like promotions and partnerships at stake. EPLI is an important part of your legal professional insurance plan if you have employees of any kind. This coverage helps protect you from lawsuits that result from accusations of wrongful termination, discrimination, harassment, and failure to promote, to name a few.

Does your legal practice need insurance?

Whether you’re a small or mid-sized legal firm or a solo practitioner, it’s time to consider getting legal professional insurance coverage in place to help safeguard your business and financial security.

The business side of legal professional insurance.

Just like any other business, there are some important coverages you should consider in order to keep yourself and your business protected. With businesses increasingly going paperless, cyber liability insurance is more important than ever. It protects you from losses associated with data breaches or hacks. General liability insurance can financially protect you in the event of personal injury or property damage claims. In addition, commercial property insurance offers coverage for your building itself and most contents, should it be damaged due to a covered event. If you’re looking to simplify your insurance, business owners insurance—also called a business owners policy or BOP—offers a combination of liability coverage and commercial property coverage under a single policy.

Are you ready to help protect your practice with legal professional insurance? Contact us to discuss your needs and coverage options.

Landlord and Rental Property Insurance

You’re more than just a landlord. Consider landlord and rental property insurance.

Landlord and rental property insurance tailored to your needs.

Because properties can vary greatly in many ways, an off-the-shelf insurance package won’t likely be the right fit. Your location, building specifics, and the number of dwelling units all may factor into your insurance policies. It’s important to understand the unique nature of your risks based on the type of property you are insuring.

Their rent is your income.

Even with the most thorough credit and background checks, a tenant can default on their rent. It can take months or longer for you to take the legal action necessary to remove them and secure a new tenant. The whole time, however, you’ll still need to make your mortgage payments. Consider an insurance policy that may protect you in the event your resident defaults, dies, or is deployed, and cannot or does not pay their rent. Such a policy may also provide coverage for legal fees related to eviction proceedings.

Is your property covered when no one lives there?

From time to time, your rental property may be vacant. This could be due to tenant transition or renovations. Regardless of the reason, you need to make sure the property is covered appropriately. If you know your rental property will be uninhabited for some time, it’s important to find out if it will be covered under your existing policies. If not, consider obtaining a vacant property policy to cover you until a tenant moves in.

How much does rental property insurance cost?

The cost of coverage may vary depending on a variety of factors, including the size of your building, where it’s located, when it was constructed, and the types of risks that are possible in your region.

Why do you need insurance as a landlord?

Rental property insurance goes beyond what home insurance can offer, which is especially important for liability issues when renting out your property to others.

Your rental property itself requires specialized coverage.

Of course, you’ll need to insure your building. But, to really be protected, you must be sure to consider each of your options. If your property needs extensive repairs or a full rebuild after a covered loss, you’ll want to have coverage that includes the additional cost of making sure it’s up to the current building codes. Most business owners and property insurance policies won’t provide coverage in case of a flood, so flood insurance should be considered. If your property is in an area prone to hurricanes or earthquakes, you may wish to obtain these policies as well. Finally, you should also insure against common business concerns, such as employment practices liability, cyber liability, and more.

To review your rental property insurance needs and to learn more about your coverage options, contact us.

Jewelers Insurance

Dealing with expensive jewelry brings unique risks. Consider jewelers insurance.

Protect your building and everything in it.

As a jeweler, your business involves more than just the pieces you sell. Your store holds display cases, equipment to perform repairs and engravings, signage, and many other items. You’ll want protection for those in case they get damaged. Commercial property insurance may not only cover the building your business is located in but may also cover damages to a vast majority of your business’s property like the examples above. Commercial property insurance is a key part of your comprehensive jewelers insurance policy.

Jewelers are at risk of theft.

Movies often feature thieves pulling off jewelry store heists and making off with bags full of gems, and with good reason since so much of your inventory is highly valuable. While movie portrayals may seem exaggerated, the threat of theft is very real. While commercial property insurance may cover some theft losses, you may also want to consider a crime insurance policy to fill in any gaps left behind. Crime insurance tends to cover a wider variety of crimes, but some policies may even offer resources for preventing and solving theft. For your jewelers insurance coverage, consider adding crime insurance for extra protection.

Unintentional and intentional dishonesty can happen.

As part of your business, you may be appraising jewelry and other related pieces. While you don’t intend to be dishonest with your appraisal, sometimes mistakes happen and you may end up undervaluing or overvaluing a piece. You could be held liable for the mistake, which is where errors and omissions liability insurance (E&O) can help protect you since it may cover damages your customers face because of your appraisal. However, sometimes there is unfortunate intentional dishonesty from your employees. They may overcharge customers to pocket the difference, may undervalue a piece being sold to your business in exchange for cash, or possibly try to embezzle inventory or cash from the store. To protect yourself from these intentional acts, consider employee dishonesty insurance as part of your jewelers insurance coverage.

Why do jewelers need insurance?

As a jeweler, you not only provide us with diamond, emerald, gold, and silver pieces, you also often appraise, buy, and repair them. This varied business means you face unique risks that require jewelers insurance coverage.

Other coverages for your business needs.

There are a few basic coverages that any business should consider. Jewelers have been around for centuries, but times have changed and become more digital, which is why a cyber liability insurance policy is important for your jewelers insurance coverage. It may help protect your business from losses resulting from a data breach or hack. If your business has a lot of expensive equipment for repairs, cleanings, or other services, equipment breakdown insurance may provide coverage in case your machines need to be repaired or replaced. Your work environment may not seem particularly dangerous, but workers’ compensation is required in most businesses and even jewelers are at risk for injury.

Contact us to find out how a jewelers insurance plan may help protect your business and your assets.

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