Transportation is essential to moving operations. It’s also a major source of risk.

Commercial Auto: Coverage for vehicles that are owned or leased by your business. Available coverage types include property damage liability, bodily injury liability, personal injury protection, and physical damage to the vehicles.

Hired and Non-Owned Auto: Liability coverage for vehicles that your business hires or vehicles that your business does not own or lease but that are used for your business.

Lawsuits can come from many sources, including customers, vendors, partners and investors, so it’s important to consider multiple types of liability coverage.

Warehouse Legal Liability: Protects against damage or loss of customers’ property at specified locations, up to agreed upon limits.

General Liability: Coverage against third-party claims for bodily injury and/or property damage.

Directors and Officers Liability: Coverage for claims brought against the directors and officers for breach of duty, neglect, misstatements and errors or omissions.

Umbrella Liability: Excess liability coverage. This policy is used in conjunction with underlying general liability, auto liability and employers liability policies.

Products Liability: Coverage for claims arising out of the use, handling or consumption of a product.

Completed Operations Liability: Coverage for bodily injury or property damage claims arising out of completed operations.

If you have employees, you need to comply with state insurance requirements while managing your own employment liability exposures.

Workers’ Compensation: Coverage for medical costs and loss of income for employees with work-related injuries or illnesses. Coverage is required under state law.

Employment Practices Liability: Coverage for claims arising from employment practices, such as allegations of sexual harassment, discrimination, wrongful termination or failure to provide adequate employee policies and procedures.

Disability Benefits Liability: Coverage for loss of income experienced by employees due to a non-occupational accident or illness. Coverage may be required under state law.

Secure protection for your property, as well as income loss that can accompany property damage and disrupted operations.

Building Insurance: Coverage for damage to real property.

Loss of Business Income: Coverage for loss of income (including rent) incurred as a result of the business not being able to conduct operations due to a covered loss.

Business Property: Coverage for damage to business property, such as furniture, fixtures, inventory, leasehold improvements and property in your care, custody and control.

Secure additional coverage types to protect against exposures related to your physical and online operations.

Cargo Insurance: Coverage that protects shipments from loss, damage or theft while in transit.

Cyber Liability: Coverage for exposures arising out of internet communication, including first-party and third-party risks associated with e-business, the internet, networks and informational assets.