Land Surveyor Insurance

Don’t let mistakes undermine your business. Land surveyor insurance may help.

The risks land surveyors are commonly up against.

Your role as a land surveyor involves determining the legal boundaries, mapping out the infrastructure, and identifying the slopes and topography of the land. The accuracy of your work is what your clients rely on, and if you make an error, it can cost them money and potentially property, all of which can result in a lawsuit. For example, if you survey land for a client and they get into a dispute with a neighbor regarding the boundaries of their property, your work could come into question. Or if your survey results fail to include accurate topography measurements, it could cause problems or delays with the construction of a building. Here are some additional risks your policy should protect you from:

Auto Accidents
Breach of Duty
Errors and Omissions
Lawsuits
Negligence
Personal Injury
Property Damage

How land surveyor insurance can protect your business.

When it comes to working for a client, there is a chance that they might file a lawsuit if they believe the work you’ve done is not accurate. Whether or not it’s a valid claim, it still must be defended. That’s where having professional liability and errors and omissions insurance (E&O) may help protect your business. Another example involves your employees. If they become injured on a job site, having workers’ compensation insurance may help cover the costs associated with their injuries. And one added benefit of having insurance coverage is that it can build credibility with clients if they know you have it.

What impacts the type of insurance needed for land surveyors?

Everything from the size of your business operations to the locations you work in determines the type of insurance coverage you need. Equipment, property, vehicles, employees, and other factors all play a role in what coverage options your land surveying business might require. Where you operate can also dictate which coverages are required by law. And the scale of your business and clientele can make a difference, whether you focus on residential projects or commercial ones.

The business side of land surveying.

When you operate a land surveying business, there are insurance coverages that are essential for businesses of all types. This includes things like general liability insurance to cover your property, as well as business auto insurance, which offers protection in the event that a vehicle used for business purposes is involved in an accident. In addition, a business owners insurance policy (BOP) combines commercial liability and commercial property under a single policy. Cyber liability insurance is also important to consider to help protect you in the event of a data breach.

Are you looking for land surveyor insurance to help protect your business? Contact us to go over your business needs and coverage options.

IT Contractor Insurance

Keep your networks running with IT contractor insurance.

IT contractor insurance for your complex industry.

As an IT contractor, whether you’re helping a business set up a computer network or developing software for a client, you want to make sure your work is accurate and operating smoothly. However, mistakes happen. When they do, you could be held liable for them. For example, let’s say the software you develop has a coding issue you didn’t catch that results in the client losing all their data. Errors and omissions liability insurance (E&O) may help cover the costs of defending lawsuits filed against you if you’re accused of an error, making it a critical part of your IT contractor insurance policy.

Protect your expensive technology.

While a general commercial property insurance policy is important to have, you may want to consider supplementing it with a systems breakdown insurance policy. As IT contractors, you work with often expensive technological equipment like servers, hard drives, and other computer components. Systems breakdown insurance as part of your IT contractor insurance policy may help your business in the event that your equipment is damaged and needs to be repaired or replaced. In some cases, it may protect against loss of business income, though most likely at a higher premium.

Why do IT contractors need insurance?

As an IT contractor, people and businesses alike rely on your knowledge of a complex field to help give them access to the digital world. This also means you’ll come into contact with some risks unique to your business, which is why having a comprehensive IT contractor insurance plan is important to help keep you protected.

Working in the digital world makes you a target for hackers.

As IT contractors, you probably understand the benefits of working with all things digital, but you also know the risks better than anyone. You hear about hackers and warn clients all the time, but are you following your own advice? Cyber liability insurance may help protect your business in the event of a data breach. It offers protection against the costs of notifying your clients, potential fraud monitoring, and any other legal expenses that result from the breach, such as client lawsuits.

Provide coverage for employees if they get hurt.

You wouldn’t necessarily think that being an IT contractor could be a dangerous job, but it certainly has its own unique hazards. By working with technical equipment, you’re exposing your employees to potential injury. One faulty bit of wiring in a server your contractor is working on could land them in the hospital, putting you in the hot seat if you aren’t properly covered. Workers’ compensation insurance is important to have as part of your IT contractor insurance coverage as it may provide coverage for your employees if they get injured on the job by covering medical costs, lost income, and more.

Cover the basics of your IT contracting business.

There are some basic coverages you may want to obtain as part of your IT contractor insurance plan. The nature of your work likely requires travel to client sites. Business auto insurance may help cover your vehicles if they are involved in an accident while on company business. Since you’re going out to client sites, general liability insurance is another important coverage since it may protect you from liability resulting from damage to other people or their property. As mentioned before, commercial property insurance is a key part of your plan as it may help cover the costs of damage to your business’s building, equipment, and more as a result of fire, water damage, or theft.

If you’re looking to learn more about IT contractor insurance, contact us to get started.

Janitorial Services Insurance

You work hard for your clients. Get janitorial services insurance that works for you.

Janitorial services insurance helps cover your business.

There are many specialties within the janitorial services industry. While some focus on commercial businesses and offices, others make cleaning homes their niche. Still, others may primarily provide cleaning services for upholstery or carpets. Whatever your company focuses on, you need insurance policies that work for you, not just some off-the-shelf package. Here are some coverage options that may work for your janitorial and cleaning service business:

Business Auto
Commercial Property
Commercial Umbrella
Cyber Liability

Employment Practice Liability
Errors and Omissions Liability
General Liability
Workers’ Compensation

Liability insurance for the services you provide.

General liability insurance is essential for janitorial services companies. While your employees are working at a client’s location, the client could trip over equipment or otherwise become injured. Similarly, a worker could damage your client’s property in the course of cleaning. Accidents and injuries can happen, and general liability insurance may help pay for damage to property or bodily injury. Commercial umbrella or excess liability insurance should also be considered to kick in when the limits of underlying policies are reached.

Business auto insurance for your employees on the move.

As a janitorial services company, your employees are traveling from site to site. If you have a van that carries workers or equipment to each location, business auto insurance is a must. Sometimes employees will transport themselves in their own vehicles, but this doesn’t let you off the hook. In this case, you’ll want to explore non-owned auto insurance. Your business can be held liable if your employees are responsible for an auto accident while they’re working for you, so adequate insurance coverage should be in place.

Consider pollution and environmental insurance.

If your business is using chemicals and solvents, they can cause environmental hazards. Mixing chemicals can affect air quality and spilled materials can require specialized cleanup. Runoff of chemicals can potentially contaminate water and soil around a property as well. Janitorial and cleaning services companies can also inadvertently release mold, asbestos, lead, and other contaminants while working on-site. Insurance is available to help protect your business financially for cleanup and remediation costs, as well as other related damages.

Address common business insurance needs.

There are some insurance policies that are common to most businesses. Workers’ compensation insurance may protect you in the event an employee is injured or killed on the job. If your business’ network is hacked and customer records are exposed, cyber liability insurance may provide financial support. Commercial property insurance helps cover the equipment your business owns and uses, and limits should be adequate to cover your most expensive machinery. Employment practice liability and professional liability insurance may also be beneficial.

Have questions about your janitorial services insurance needs? Contact us to discuss your coverage options and business needs.

Investment Advisor Insurance

With high responsibility comes high risk. Consider investment advisor insurance.

Insurance every investment advisor should consider.

The last thing any investment advisor wants to do is make a mistake, especially when it could cost their client thousands or millions of dollars. However, mistakes can still happen, and the only way to prepare for them is to have the right insurance. Professional liability insurance is essential for every investment advisor because it protects them in the event that they are sued if a client loses money based on their advice or mishandling. With insurance, legal fees for defense and settlements would be covered.

The high stakes of handling investments.

There’s no doubt that investments can be risky; it comes with the territory. Investment advisor firms also face risks in the course of doing business. For example, if an advisor is on their way to visit a client or prospect and they get into an accident with a company car, you’ll need to have business auto insurance to provide coverage. If advisors use their own vehicle, hired and non-owned auto insurance may provide similar protection. Also, your access to sensitive financial information makes your investment advisor firm a prime target for thieves. Your firm could face a data breach and the sensitive information of your clients could be stolen. Cyber liability insurance is important to consider.

How much does investment advisor insurance cost?

The cost of your policy may vary depending on a variety of factors such as the number of clients you have, the number of assets you control, and the overall scale of your operations.

The business side of investment advisor firms.

While your business might have a great deal of responsibility in handling the investments and wealth of your clients, at its core it is still a business. That’s why insurance coverage like business owners insurance policy (BOP), which combines commercial property and general liability insurance, is a must. Employment practice liability insurance (EPLI) offers protection against claims of sexual harassment, discrimination, or improper hiring and firing decisions. Crime and theft insurance is another policy to consider, given that employees have access to the financial information of clients.

Handling investments is a high-risk role, which is why investment advisor insurance is essential in this line of work. Contact us to discuss your coverage options.

Insurance Agent Insurance

Even insurance agents need coverage, find insurance agent insurance that fits.

Why insurance agents should consider coverage.

Just like any other business, insurance agencies face risks that need to be adequately covered. For example, if an insurance agent sells a policy to a client but fails to send the necessary information or premium to the carrier, the client would be uninsured. If that client suffers a loss and finds they don’t have insurance, the insurance agent would be held responsible. Another example is if an insurance agent misinforms a client about their policy specifics and the client believes they are covered for something they are not. If the client suffers a loss and a claim is rejected by the insurance carrier, the client could file a lawsuit. Having insurance coverage may help protect your agency from instances like these.

Essential insurance for insurance agents and agencies.

The most important aspect of an insurance agent insurance policy is professional liability, or errors and omissions liability insurance (E&O). This may cover everything from negligence, errors, and omissions, to the costs of lawsuits that arise from mistakes the agent or agency made. Another essential coverage, particularly for those with an office where they receive clients in person, is general liability insurance. For instance, this may cover the costs related to personal injury claims on your property. In addition, workers’ compensation insurance may help cover medical costs for employees who are injured while on the job. Similarly, if employees use a company car or personal vehicle to visit clients, proper business auto insurance should be secured.

What are the most important coverages for insurance agents?

Aside from errors and omissions liability, you may also want to consider a business owners policy, workers’ compensation, and general liability insurance to help safeguard your agency.

The business side of running an insurance agency.

Every insurance agency has to take the business side of their operations into account when deciding on coverage options, many of which are common to any business. First and foremost, a business owners insurance policy (BOP) offers coverage for commercial property and general liability under a single policy. An agency of any size and type can benefit from this coverage. Another common coverage includes cyber liability insurance. Because your agency has clients’ personal information in your records, if there were a data breach that information could get into the wrong hands, this coverage would help protect you from lawsuits or losses related to a cyber incident.

Are you an insurance agent looking for coverage for your insurance agency? Contact us to discuss your options with an insurance agent insurance policy.

Interior Designer Insurance

Your work involves industry-specific risks. Interior designer insurance can help.

The most common types of risks for interior designers.

As an interior design professional, your clients trust you to create designs for homes or commercial spaces that are up to code and incorporate safety features. If your design doesn’t meet the code or the standards of the client, they could sue you for negligence. If you are visiting a client’s home and accidentally damage their property, you can be held responsible. Or, for example, if you fail to complete a project by a deadline, your client could file a lawsuit for not doing the work that was promised in a contract. Without insurance in any of these cases, your interior design business would suffer or be forced to shutter. Here are a few other risk factors unique to interior designers and what you might want to consider when choosing a policy:

Auto accidents while on the job.
Cyber attacks and data breaches.
Damage from fire, extreme weather, theft, or vandalism.
Damage to your client’s property.
Errors and negligence.
Personal injuries on your property.

Safeguard your business with interior designer insurance.

The level of insurance coverage you need as an interior designer will vary based on the scale of your operations, but there are some policies that all interior design businesses should have. One is general liability insurance, which protects your business should you or an employee cause damages to a client’s property or the client is injured due to your work. It also can help with lawsuits regarding libel and slander against your business. A solid business owners insurance policy (BOP) offers protection for commercial property, including office space, warehouses, and showrooms, as well as your equipment and property while you’re at a client’s location. Finally, professional liability insurance is essential to help protect against claims of negligence, errors, or omissions.

Why your base of operations matters.

Some interior designers are sole proprietors and work out of their homes. Others have an office building and manage multiple employees. Whatever type of business you manage, your needs will vary. If you operate your business from your own home, you’ll need additional coverage beyond your home insurance policy if you have materials delivered there, have items stored there, or have clients and/or employees at your home. If you operate your interior design firm at an office and have multiple employees, you might require more coverage options such as workers’ compensation and others to protect your team and your property.

Unique coverage for residential and commercial projects.

The risks associated with residential and commercial projects differ. For instance, if you are designing for a business, there might be additional considerations for safety and staying up to code. Whereas with residential homes, the scale of the design might typically be smaller and there may not be as many industry-specific regulations to contend with. And if your interior design business works in both fields, your insurance coverage will need to match that.

Interior design is still a business.

Even if you are the sole proprietor of your own interior design company, it’s still a business and you still need business insurance. When you hire employees, you should have coverages like workers’ compensation and employment practice liability insurance (EPLI) in place to protect them and your business at the same time. It’s important to remember that your business, no matter how large or small, needs to be protected.

Are you looking for interior designer insurance coverage? Contact us to learn more.

Hospitality Insurance

Take care of your guests and protect what’s yours with hospitality insurance.

Running a hospitality business has its own unique risks.

One of the big differences between insuring a hospitality business and other businesses is the need for innkeepers’ legal liability insurance. You have an obligation under the law to keep your guests’ belongings secure, safe, and in some cases, you may be held responsible for loss or damage. What’s more, because the legal requirements may vary depending on your location, your insurance needs can be complex.

What does hospitality insurance cover?

Hospitality insurance may include commercial property, equipment breakdown, crime, business interruption, utility interruption, and food spoilage.

What is innkeepers’ legal liability?

As a hospitality business, you are required to keep the personal belongings of your guests secure and safe. Innkeepers’ legal liability helps cover you against losses of your guests’ possessions when stored on your property.

Other unique risks for the hospitality industry.

If your hospitality business also includes a restaurant or bar, a liquor liability policy is a must-have. Offering valet services, either for the restaurant or guests lodging with you, creates another risk factor that requires attention. Airport and local shuttles are also popular amenities, but they also carry their own specialized coverage needs.

Protecting your business if you can’t serve guests.

In the hospitality industry, like most industries, you have to be able to serve your guests in order to remain profitable. What would you do if you were not able to rent out rooms due to a fire or another covered loss? Business income insurance may protect you in the case of lost revenue. Understanding this risk and your operation’s specific needs can mean the difference between staying in business or not after a disaster.

Hospitality businesses need general coverage, too.

Hotels, motels, inns, and bed and breakfasts need a whole host of coverage options that are common to most businesses, such as cyber liability, general liability, workers’ compensation, and employment practice liability insurance, among others.

Want to learn about the benefits of hospitality insurance for your business? Contact us to learn more about your needs and coverage options.

HVAC Contractor Insurance

Whether you’re turning up the heat or the A/C, you need HVAC contractor insurance.

HVAC contractor insurance for your unique industry.

Your business likely has a home base of operations, but your employees are also traveling to various job sites each day. Visiting the homes and buildings of your customers carries specific risks. For example, what if a customer is hurt or damage is done to their property? A general liability policy may protect you financially from lawsuits that may arise. In addition, an umbrella liability policy may offer additional coverage limits that go beyond the basic policy.

Protection for your materials and equipment.

You can’t serve your clients if you do not have the proper materials and equipment. If something happens to these, they can be costly to replace. Because of this, your property insurance policy should provide coverage for the tools and machinery used to perform your services. Also, consider inland marine insurance to help protect items in transit between sites or your headquarters.

Workers’ compensation insurance is a must.

Generally speaking, workers’ compensation insurance is required. Even the most well-trained employees can get hurt on the job, especially in an industry that can have them working on rooftops, in basements, and in multiple locations. For this reason, having coverage appropriate for the HVAC industry and the areas your business serves is essential.

HVAC contractors need business auto insurance.

Because your business requires your employees to travel and haul equipment, you likely have a fleet of vans, trucks, and trailers. Vehicles owned by the company should be covered under a business auto insurance policy if there is an accident. This policy may also cover damage due to vandalism or theft. If employees use their own vehicles for business, you’ll also want to purchase hired and non-owned auto insurance.

What are the risks that HVAC contractors face?

As an HVAC contractor, the primary risk factors are personal injury while on the job, accidental damage to a client’s property, or even a fire caused by mistake. These are liability issues you’ll want to have covered in your insurance policy.

Don’t neglect the business side of your organization.

Employment practice liability insurance (EPLI) may help cover expenses associated with defense against claims of discrimination, harassment, or unlawful termination practices. You’ll want to consider cyber liability insurance that can offer protection against hackers and data breaches. Professional liability insurance may help pay for an attorney and court fees. On the other hand, it may cover damages that are associated with lawsuits alleging damage to a property due to negligence.

We’re happy to discuss the HVAC contractor insurance needs of your business. Contact us to learn more.

Homeowners Association Insurance

Get homeowners association insurance to help cover the needs of your HOA.

What insurance coverages do homeowners associations need?

Homeowners associations of all types need insurance, including condominiums, planned communities, and townhouses. One of the most important coverages each of these homeowners associations needs is an HOA master policy. This provides coverage against property damage and loss, as well as liability claims from visitors or HOA members. A commercial property insurance policy offers protection for buildings owned by the HOA, but it’s important to note that it only covers the structures, not the personal contents of residents.

The risks that homeowners associations face.

Homeowners associations have the responsibility of the safety and well-being of their residents and visitors on property owned by the HOA. For example, if a visitor sustains injuries while at your HOA’s common area, your liability coverage would kick in to cover costs from medical claims and potential lawsuits. Directors and officers liability insurance (D&O) protects the assets of board members if the organization is sued for alleged acts of wrongdoing. Crime insurance may provide coverage to protect your HOA in the event of crimes by either a third party or an employee, depending on the policy.

What does homeowners association insurance cover?

The main part of an HOA policy is that it may cover your organization against liability claims from personal injuries and property damage at the common areas your HOA owns.

Important things to know about insurance for HOAs.

Homeowners association insurance covers structures owned by the HOA, not the personal belongings of the residents. This means that if a resident does not have the appropriate coverage for their personal belongings, it would not be covered under the HOA’s policy. The requirements of minimum coverage that HOA members need may vary depending on where your community is located. Your agent will be able to determine what is covered by the HOA and what HOA members are responsible for.

The business side of homeowners associations.

There are some policies that your homeowners association may want to consider in order to provide more protection. For example, if you hire employees that perform maintenance and are injured on the job, workers’ compensation insurance may offer coverage for their medical expenses. A cyber liability insurance policy could benefit the HOA if you store any sort of personal information on your computer network. Also, a social host liability insurance policy is helpful to have if you allow HOA members to host events at HOA-owned buildings or common areas, as it provides coverage from potential liability claims.

Do you need homeowners association insurance for your HOA? Contact us to discuss your options.

Grocery Store Insurance

Get coverage for your store while you provide the essentials with grocery store insurance.

Protect the property your store is on.

Your grocery store relies on shoppers visiting your store and making purchases. Because of the high volume of foot traffic and the number of products you have in your store, having coverage for the building itself and what’s inside is vital. Commercial property insurance may cover items and equipment such as food, products, shopping carts, registers, refrigerators, freezers, and the like. Also, equipment breakdown insurance offers coverage if your freezer or refrigeration systems malfunction. In some cases, this may also include spoilage coverage, which covers the costs of products that go bad due to faulty equipment. Also, the building needs its own coverage from damage caused by wind, fire, or vandalism. Building insurance offers coverage for the structure if damaged by covered events.

Enhance your liability coverage options.

There are a number of risks your grocery store faces and high atop the list are liability claims. For example, if you have a pharmacy or sell alcohol at your store, you would need to cover your store in the event that a pharmacist makes a mistake or a customer consumes alcohol bought at your store and causes damage or injuries. Therefore, to protect your store in these cases, druggist liability and liquor liability insurance would be needed. Additionally, the products you sell could spoil and sicken a customer. Whether or not it’s your fault, they could file a lawsuit. Having product liability insurance may offer protection for these types of claims. And with more and more customers using credit cards or mobile payment methods, your store runs the risk of being attacked by data hackers. Cyber liability insurance may cover costs associated with lawsuits related to a data breach.

What does a grocery store insurance policy typically cover?

Usually, insurance for grocery stores might include building, commercial property, spoilage, and boiler and machinery insurance. Additional coverage options may need to be added to your policy for further coverage.

What are the risks of operating a grocery store?

With your store serving as a central hub for people to buy the essentials, there are many risks to consider protecting against and proactively preventing. For example, if an employee cleans up aisle five but forgets to put a wet floor sign out, resulting in a customer slip-and-fall incident, your store could have a lawsuit on its hands. Also, if your store offers delivery service, you’ll need either business auto insurance if you use company vehicles or hired and non-owned auto insurance if your employees use their own vehicles for making deliveries. These offer protection in the event one of your employees is involved in an auto accident, which could result in your store being held responsible for damages. These are just some instances that you need to consider when building your grocery store insurance policy.