A major general liability subline which provides coverage for an insured against claims arising out of products sold, manufactured, handled, or distributed, or operations which are complete. Claims are covered only after a product has been sold and possession relinquished, or operations have been completed or abandoned by the named insured.?? Manufacturers and contractors have a need for this coverage.

How much do you need?

A minimum of $1,000,000/$2,000,000 unless you feel your product has the possibility of doing more bodily injury in product/damage to your clients property or business. If this potential amount could be higher, then you should purchase higher limits.

Covers the insured for bodily injury and property damage losses where an employee (in their own car) has an accident and is on company business. Hired automobile provides liability coverage for an automobile, other than company owned, the employee leases, hires rents or borrows.

How much do you need?

At least the minimum limit you have selected for general liability insurance and maybe higher if you have employees using their automobile or renting cars for your business.

Liability insurance for employers that covers wrongful termination, discrimination, or sexual harassment toward the insured’s employees or former employees.

Coverage for bodily injury or property damage caused by an intoxicated person who was served liquor by the policyholder.

Covers professionals for negligence and errors or omissions that injure their clients.

Covers directors and officers of a company for negligent acts or omissions, and for misleading statements that result in suits against the company, often by shareholders. Directors and officers insurance policies usually contain two coverages: personal coverage for individual directors and officers who are not indemnified by the corporation for their legal expenses or judgments against them – some corporations are not required by their corporate or state charters to provide indemnification; and corporate reimbursement coverage for indemnifying directors and officers. Entity coverage for claims made specifically against the company may also be available.

Coverage for losses above the limit of an underlying policy or policies such as homeowners and auto insurance. While it applies to losses over the dollar amount in the underlying policies, terms of coverage are sometimes broader than those of underlying policies.

Includes computers, peripheral devices, purchased software and other software, media, data in memory, and hardware and software manuals.

Peripheral device means any physical unit used to operate the computer that cannot be used for purposes other than as part of the computer system such as tape or disk drives, printers or modems.

How Much Do You Need?

Determine the current replacement value of your computer hardware and also the replacement value of your software & media. If it is greater than the blanket offered in the base policy, you should increase the actual replacement value.

The coverage will pay on a replacement cost basis for direct physical loss or damage by a covered cause of loss to personal property of others that is in your care, custody, and control.

How Much Do You Need?

Review your total personal property that you have in your care custody and control and purchase the appropriate limit to insure that property.

Are documents, manuscripts or records including abstracts, books, deeds, drawings, films, maps, or mortgages. It does not mean converted data, money and securities, or programs or instructions used in your data processing operations. Including the material which the data was recorded.

How Much Do You Need?

Determine the value of your valuable paper and records, such as documents, manuscripts, records, drawings, films, maps etc. This coverage would pay for the value of the above documents & their cost to replace.

Commercial coverage that reimburses a business owner for lost profits and continuing fixed expenses during the time that a business must stay closed while the premises are being restored because of physical damage from a covered peril, such as a fire. Business interruption insurance also may cover financial losses that may occur if civil authorities limit access to an area after a disaster and their actions prevent customers from reaching the business premises. Depending on the policy, civil authorities coverage may start after a waiting period and last for two or more weeks.

Covers direct losses and damage to businesses resulting from the dishonest acts of employees.

Covers the amount due from your customers that you are unable to collect due to direct physical loss or damage to your records of accounts receivable and other reasonable expenses that you incur to reestablish your records of accounts receivable.

How much do you need?

Calculate your cost to replicate your accounts receivable records and add an estimate of what you might be unable to collect because of lost records

Coverage for flood damage is available from the federal government under the National Flood Insurance Program but is sold by licensed insurance agents. Flood coverage is excluded under homeowners policies and many commercial property policies. However, flood damage is covered under the comprehensive portion of an auto insurance policy