Business

D&O or Director's and Officer's Liability is a specific form of Professional Liability coverage designed to protect the Board and Individual Officers of both for-profit and non-profit enterprises. The purpose of the coverage is to protect against claims of mismanagement of the resources that are under the control of the management as well as the impact on shareholders and stakeholders in the business or community. D&O coverage is often combined with EPLI (or Employment Practices Liability) and care must be taken to make sure that corporate or organization bylaws are customized to trigger indemnification of officers.

Many DJs start out as people who love music and entertaining. This hobby can quickly grow into a business that provides a source of income for what you do best. Helping you protect your business is what we do best

Employment Practices Liability is commonly referred to as EPLI and is essential protection for any employer that could be exposed to claims by current or former employees. The coverage provides defense and pays claims in accordance with the policy terms for allegations of age, racial, gender, sexual discrimination or bias in the workplace as well as a wide range of allegations of hostile workplace issues that impact employer - employee relations. Certain policies extend coverage to claims by business visitors like vendors or delivery services.

Entertainers such as magicians or balloon artists often start out as people who love crowds and entertaining. Or, an individual may have a striking resemblance to a fictional character such as Santa Claus or a princess. Check out our plans tailored for your liability need.�

Actors, Baking from Your Home, Balloon Artists, Belly Dancers, Canoe & Kayak Guides / Instructors, Caricature Artists, Celebrity Look-a-Likes, Clowns, Comedians, Contortionists, Corporate Party Planners, DJ's, Entertainers, Event Staff, Face Painters, Fishing Guides, Float Trip Guides, Food / Catering (No Bartending), Hiking Guides, Impersonators, Impressionists, Individual Event Participants (Not the Event Itself), Jugglers, Magicians, Mimes, Musical Conductors, Musicians, Nature and Wildlife Guides, Poets, Puppeteers, Santas, Speakers, Stand Up Paddleboard (SUP) Guides, Storytellers, Street Performers, Tour Guides, Ventriloquists, Wedding Planners, CAN ADD: Vendors

Whether you are an individual fitness coach or perhaps you've built your passion into a small business - check out the great protection available for liability and claims of professional liability.

Many florists who work from their home start out as people who love to create amazing arrangements. Their individual style shows in their designs. This hobby can quickly grow into a business that provides a source of income for what you do best. Helping you protect your business is what we do best.

Are you the host of a fundraiser looking for insurance? Are you a vendor, concessionaire, performer or entertainer looking for insurance for an event? We are here to help!

Hairdresser, Styleist, or Cosmetologist - no matter what term you prefer there is uncertainty that comes with it. We have insurance designed for both individuals and small businesses.

Alarm Systems Installation & Repair, Carpentry, Carpentry - Interior, Carpet Cleaners, Closet Installation, Contractors, Debris Removal, Deck Building, Electrical, Fence Building, Finish Carpentry, Finishing Contractors, Flooring, Furniture Assembly (No Cribs or Bunk Beds), Furniture Installation - Office, Furniture Refinishing, Glaziers, Gutter Cleaning, Handypersons, Interior Painting, Invisible Fence Installation, Locksmiths, Masonry, Millwork, Office Machine Installation and Repair, Painting & Siding, Piano Tuning, Siding, Small Contractors including Finishing Contractors, Surveillance System Installation & Maintenance, Surveyors, Swimming Pool Servicing (no construction), Tiling, Upholstering, Wallpapering, Walls, Window Cleaning, Window Decorating, CAN ADD: Appliance Installation, Chimney Cleaning, Concrete Construction, Exterior Painting, Floor Waxing, HVAC, Plastering, Plumbing (other than a leaky faucet or toilet), Snow / Ice Removal, Sign Installation

A long list of eligible businesses includes Balloon Artists, Music Teachers, Musicians, Clowns, Magicians, Tax Preparers, Dance Instructors, Beauty & Cosmetic Consultants, Embroidery, Fictional Characters, Ceramics & Glassware, Kitchen Supply Sales, and Personalized Book & Gift Sales - over 100 eligible classes in all!

Landscaping, Lawn & Yard Maintenance, Pesticide Application (Landscapers Only), Sprinkler Installation (excluding fire suppression systems), Trimming or Pruning Trees Exclusively at Ground Level (No Removals), Can Add: Chimney Cleaning, Concrete Construction, Plastering, Plumbing (other than a leaky faucet or toilet), Snow / Ice Removal