Are You Covered?

Are You Covered?

Products that EVERY BUSINESS should consider!

Workers' Compensation

Workers' Compensation
Workers' Compensation

Workers’ Compensation benefits are a form of insurance that is required by many employers to provide to their employees. It is available to employees who suffer an on-the-job injury or illness. If a physician recommends that an employee must take time away from work to recover, then the employee will be reimbursed for lost wages and medical expenses relating to treatment and rehabilitation. The wage reimbursement is typically a percentage of the regular wages earned by the employee.

INSPRO is here to help you through your workers' compensation process with our in-house Workers' Compensation Consultant, Helen Hoffman. Helen specializes in workers' compensation cost containment, while also building client relationships and delivering excellent client service. Helen is a Registered Workers' Compensation Specialist with over 20 years of experience in the workers' compensation and insurance industry.

Business Income

Business Income
Business Income

Continuity is critical in business, and there are few things more important than continuous revenue and cash flow, particularly for small to medium sized organizations. In fact, just one brief business interruption can be incredibly costly for an organization, often leading to serious reputational damages or long-term closures.

That's where Business Income Coverage can help. This form of coverage provides protection against a variety of common interruptions, including natural disasters, equipment damage and vandalism.

Cyber Risk

Cyber Risk
Cyber Risk

Every day, more than 1 million people become victims of cyber crime.  Cyber criminals look for the weak spots and then attack, no matter how large or small the organization. Both third parties and insiders can use a variety of techniques to carry out an attack. CyberRisk policies not only provide protection in the event of a loss, but can help you identify areas that could lead to a loss.

Employment Practices Liability

Employment Practices Liability
Employment Practices Liability

If you have employees, you have exposure to an employment practices liability loss.  Some of the most common employment-related lawsuits include: 

  • Wrongful termination:  The discharge of an employee for invalid reasons.
  • Discrimination: The denial of equal treatment to employees who are members of a protected class.
  • Sexual harassment: Subjecting an employee to unwelcome sexual advances, obscene or offensive remarks, or the failure to stop such behavior.

EPL works to provide the necessary resources to defend your company against a lawsuit or to pay for a claim.​

Umbrella

Umbrella
Umbrella

In a culture where litigation is commonplace, business owners have many more worries than making profits and retaining top employees. If your product injures a consumer, your organization could face a devastating lawsuit, exponential damages and a tainted reputation in the marketplace. To assist with the financial burden of a claim, many business owners purchase commercial umbrella insurance on top of their standard commercial general liability (CGL) insurance policies.

Fiduciary Liability

Fiduciary Liability
Fiduciary Liability

Offering employees a variety of benefits options, like pension plans, retirement accounts and health care coverage is expected of today's employers. Organizations that provide these resources to their workforce often task an individual or group of individuals called fiduciaries to oversee benefits plans. In order for an organization to protect it fiduciaries, fiduciary liability insurance is critical and can provide policyholders with the following:

  • ERISA Liability Protection
  • Protection from Common Fiduciary Claims
  • Affordable Coverage
  • Specialty Protection not found in Similar Policies (EBL, D&O)
  • Coverage Beyond Fidelity Bonds

Professional Liability

Professional Liability
Professional Liability

Professional liability insurance, also referred to as professional indemnity insurance, protects professional personnel against negligence claims made by their patients or clients. Professionals who commonly turn to this type of liability insurance for coverage include architects, home inspectors, lawyers, physicians, real estate brokers and accountants—among others. Specific professional liability insurance carries different names depending on the profession. For example, professional liability insurance in the medical profession may be called medical malpractice insurance, while real estate brokers fall under errors and omissions insurance coverage.

Professional liability insurance, also referred to as professional indemnity insurance, protects professional personnel against negligence claims made by their patients or clients. Professionals who commonly turn to this type of liability insurance for coverage include architects, home inspectors, lawyers, physicians, real estate brokers and accountants—among others. Specific professional liability insurance carries different names depending on the profession. For example, professional liability insurance in the medical profession may be called medical malpractice insurance, while real estate brokers fall under errors and omissions insurance coverage.