Property/Liability/Crime

Property
Coverage for your property can include your buildings, business personal property including leasehold improvements and inventory, loss of earnings, and a whole host of other coverages too numerous to cover here.

General Liability
Coverage to protect your business in the event you're liable for a covered loss. Typically this includes comprehensive general liability, products/completed operations, personal/advertising injury, fire legal liability, premises medical and employee benefits.

Crime Coverage
Can cover your business for loss due to various types of employee dishonesty and theft.

Workers Compensation
The State of North Carolina requires any employer who has 3 employees or more to provide Workers Compensation coverage. This is a law and not an optional coverage. The Companies who offer Workers Compensation in North Carolina do not all charge the same rates. Sometimes the differences from one company to the next can be dramatic. We represent some of the most competitive Workers Compensation providers in the State.

Professional Liability
Also known as errors & omissions or malpractice insurance,. Professional Liability provides our clients with insurance protection if a suit is brought against them claiming, among other things, that the advice a person gave or failed to give, or the acts they performed or failed to perform for a client/patient, caused injury or damage.

This is very expensive litigation and even if the claim is denied by the court there can still be thousands if not hundreds of thousand of dollars to pay in attorney fees., Professional liability coverage can respond to both damages awarded for these type of claims.

Umbrella
Provides additional amount of liability coverage up to $1,000,000 - $50,000,000 or more depending on the needs of your business.

Bonds
We offer the various type of bonds that you may be required to provide such as:

• License bonds
• ERISA bonds (401k & pension plan bonds)
• Fidelity bonds.
• Performance bonds
• Bid bonds
• Shipping bonds

Employment Practices Liability / Director & Officers Liability

Employment Practices Liability
Covers your business and your directors and officers for lawsuits from employees alleging various types of discrimination such as sexual, age, race, gender, sexual preference and many more.

Directors & Officers Liability
Covers the Directors & Officers of the Corporation against various types of lawsuits alleging that, due to the negligent decisions made (or not made) by them in conducting the Corporation's business injury was caused and/or damages resulted to other parties.