General Liability (GL) Insurance - insures against third party bodily injury or property damage losses arising from normal siness operations.

Automobile Liability (AL) Insurance - insures against third party bodily injury or property damage losses arising from the use or maintenance of vehicles.

A COMMERICAL UMBRELLA POLICY provides coverage in increments of $1 million. It supplements your present policies to provide additional commercial liability protection. The Umbrella policy goes into affect after the underlying liability limits on your commercial policy is exhausted. Therefore, your policy must have certain limits in order to qualify for an Umbrella policy.

Workers' Compensation (WC) Insurance - insures employees against on-the-job injury without the employee having to prove that the employer was liable for the injuries.

EMPLOYMENT PRACTICES LIABILITY INSURANCE / DISCRIMINATION & HARASSMENT (EPLI) covers your business for discrimination and harassment claims brought by employees, board members, leased workers and temporary workers and independent contractors may be added for an additional premium.

EPLI covers claims as a result of any of the following allegations:

* Wrongful refusal to hire * Wrongful failure to promote

* Wrongful demotion or reassignment * Wrongful termination

* Employment-related misrepresentation

* Harassment

* Coercion * Discrimination

* Slander, defamation, libel or invasion of privacy

Errors & Omissions (E&O) - Covers damages from claims alleging misrepresentation or wrongful acts of employees and self-employed representatives

Directors' & Officers' Liability (D&O) - Covers liability for claims alleging wrongful acts of Directors, Officers and employees at or above operating Director level.