
Building maintenance is a fast growing industry. However, those in the business may recognize the sometimes precarious problems that can arise. Key among these is the need to protect your workers from situations that can occur on the job site.

If your company handles administrative services, you'll find there is significant concern regarding the handling of documents that contain personal information on both customers and employees.

In either case, your company will be working in and for another business. As a company contracted to do work for others, certain types of insurance should help protect you and your employees when and if claims against your business arise. With so many unknown variables, finding the correct insurance policies to purchase can be difficult. Read on to understand what coverage you need.



Administrative Services and Building Maintenance


The Agriculture, Forestry, Fishing and Hunting industry is an extremely important part of the U.S. economy. This industry only comprises 1% of the entire U.S. workforce but helps generate over $800 billion for the economy every year. 

Work in this industry does come with some noteworthy risks, however. Agriculture and related industries involve hands-on work, some of which place agricultural workers and business owners into sometimes dangerous situations. 

Many insurance policies are standard within this particular industry. Business owners in the agriculture industry should consider all of the possible policies that could be beneficial for their companies and their employees.



Agriculture, Forestry, Fishing and Hunting


Few industries are as important as the construction industry. Construction workers, managers, and companies make it possible to do business, live, and get from place to place. 

Construction can be a high-risk career path. From dangerous tools to dangerous heights, there are an almost countless number of ways one can get injured while performing construction work. While few industries take safety procedures as seriously as construction, accidents can and do still occur.

All construction companies need to purchase several types of insurance. To simplify the process, read on to discover the insurance policies most relevant to the construction industry.



Construction


Consultants operate across every industry, providing their knowledge and experience to companies who work in education, finance, construction, food services, and everything in between. As experts in their respective fields, consultants are often called upon at the drop of a hat.

This creates several insurance needs for those who have made consulting their life's work. Providing advice can be extremely rewarding, but it carries its own risks. Given how in-demand consultants are these days, travel is extremely common, as is having a large number of clients coming in and out of the office.

Navigating the specific insurance needs is difficult for consultants. With such a crazy schedule, consultants often lack the time to find the right insurance. This page will help a consultant better understand their needs. 

Read on to discover the type of insurance consultants should purchase.



Consultants


As a contractor, you may work on a variety of different projects. You and your staff might even be working on more than one project at a time, increasing your risk and need for the right insurance coverage. 

Protecting yourself and your business is key to a long and successful career, doing what you love. 

Finding the right insurance for your business can be confusing, let us help. Read on to understand what coverage you need.



Contractors


As an educator, you're constantly busy spreading your knowledge to students of all sorts. Though rewarding, the stress of educating cannot go unnoticed. If you factor in the potential for any number of troubling situations, from natural disasters to lawsuits, the reality of teaching is a much harsher one. But don't worry, we are here to help you make some of your tough decisions.

Educational Service Insurance is here to protect you from a vast variety of potential situations that could damage you, your business, your loved ones, your customers or employees, or your reputation. Though it may initially be overwhelming, the many options for insurance work only in your, and your business' favor. 

Read on to understand what kind of insurance you may need. 



Education


Like many industries, the finance and insurance industry provides valuable services to millions of customers. Those who work in this industry know the risks that come with handling finances.

Both financial and insurance companies should also be aware of the dangers that can occur while doing business in the 21st century. The best solution is to purchase insurance policies that will secure against many different types of claims.

Read on to understand what insurance you may need. 



Finance and Insurance


If you own a business in the thriving Food Services & Accommodation industry, you'll need a comprehensive insurance policy that protects you from industry-specific risks and hazards.

From an employee slipping on a wet kitchen floor to a customer falling ill due to food consumed at your restaurant or a natural disaster or fire forcing you to close up shop temporarily, there are numerous risks inherent to the Food Services & Accommodation industry.

Read on to find out more about the risks associated with the food and accommodation industry. 



Food and Accommodation


Few industries are as emotionally and physically demanding as the healthcare industry. Every day, healthcare professionals choose to put themselves and their careers on the line in order to save lives. While this profession has long been respected, it has increasingly become one where health workers experience legal challenges.

Lawsuits against practicing healthcare professionals have become commonplace. This leaves many in potentially sticky situations. The result is a strong need for healthcare professionals to purchase various types of insurance. While it is unlikely that any doctor would desire to do harm to his or her patients, the legal expense of protecting oneself in court from claims of misdeeds can be extremely high. Likewise, losing a legal defense could be enough to put a private practice out of business.

Health workers should consider an array of insurance options. Not only to protect themselves but also any nurses and other individuals that they employ.

Read on to learn more about the insurance both you and your practice need.



Healthcare


Those responsible for the management of companies are in a unique position. Much of this is because this industry does not produce any goods or provide any services. However, as a management company often holds a majority share of stocks in different companies, the associated benefits (and risks) reside in the stock market. Although the purpose of the company is to limit certain risks associated with direct business ownership, these businesses are not wholly hazard-free ventures.

Owners and operators who specialize in this industry are typically aware of the risks involved with managing a majority of the shares in different companies. With the ability to decide on the direction of owned companies, directors and officers in this industry must be conscious of what problems may arise as a result of that authority.

There are a limited number of insurance needs that are particular to management companies. We can help owners and managers of these companies better understand their insurance product needs. Read on to discover the specific insurance needs of this industry.



Management of Companies

Management of Companies and Enterprises


Insurance can provide protection for a variety of risks within a manufacturing business. Some of the most common areas of coverage for manufacturers insurance include Commercial Auto Insurance, Workers Compensation, and General Liability. The idea behind having insurance is to protect the business from things like lawsuits, loss of personal and commercial property, and even damage to buildings. 

Read on to understand what insurance you need for your manufacturing business. 



Manufacturing


Nonprofit associations play an important role in today's society. Public and private partnerships often rely heavily on nonprofit organizations to reach communities and meet the needs of those communities through programs, fundraising and more.

Nonprofits are operated similarly to any private business. Although identified differently by the IRS for tax purposes, all nonprofit associations must still report earnings and follow the same laws required of any business.

Any company that is in the nonprofit sector will need various forms of insurance that match up with the same types of insurance common among private businesses. 

Read on to see what type of insurance your business may need. 



Nonprofits

Other


Several business types just don't fall under a traditional title. All of these businesses are unique and have unique insurance needs. For example, a personal trainer may need Professional Liability Insurance to mitigate the risk of offering advice to clients, who may end up injured, while a Handyman will need Workers Compensation Insurance to mitigate the risk of injury while on the job. 

Read on to learn more about the insurance needs for these diverse business types. 



Other Services


Professional, scientific and technical services are an extremely broad industry. If you're a tax accountant, lawyer, architect, scientific researcher, or do work in any field related to these, your services fall under this title. This means that you are often tasked with important, sometimes difficult and sensitive assignments for clients in both the public and private sectors.

You will also find that doing business in this industry comes with great reward, but also a number of risks to your businesses, your employees or yourself. Depending on the nature of the services you offer, you may be liable for a myriad of different claims, many of which relate specifically to the handling of private information.

Thankfully, insurance policies exist and they will help protect you and your business from a majority of claims common in this industry.

Read on to understand what risks are associated with your industry and how insurance may help. 



Professional, Scientific and Technical Services


Whether your job in real estate focuses on buying or selling, working with clients is at the heart of the industry. A real estate agent can easily interact with hundreds of clients during any given month, providing multiple types of services.

However, real estate agents possess specific insurance challenges that are wholly unique to the industry. Agents must deal with legal documents, private client information, travel and the risks that come with providing professional advice. Despite the many advantages that make this industry attractive, real estate agents have a duty to protect themselves and their clients.

There are any number of insurance policies that real estate agents might consider. We can help agents focus in on the most important and valuable types for this specific industry. 

Read on to learn about the insurance best suited for real estate agents and their businesses.



Real Estate


As the demand for real estate increases, the property management business in the United States has grown rapidly to fit meet that demand.

However, as financially advantageous as property management can be, there are recognizable risks involved in working within this industry. Much of the income potential for rentals and leasing companies relies heavily on trusting tenants to pay their rent.

In order to help cover the risks involved with property management, managers should consider various insurance types. Obtaining the right insurance is a key method making sure your company sticks avoids any unexpected stumbling blocks.

Keep reading to learn more about the best insurance for your business.



Rentals and Leasing


As a retailer, you offer products to consumers. You may focus on one type of product or a variety. You likely already take some basic precautions such as locking up the cash register at night and the store, but if you do not have some basic insurance policies, you may be leaving your company at risk.

Knowing what you need and finding the right coverage can be time-consuming as well as confusing. We can help you find the right coverage for your business. Continue reading to see what is common for retail trade businesses. 

Read on to understand what kind of insurance you may need. 



Retail

Retail Trade


The sports, arts, and recreation industries include anyone who specializes in recreational activities. Sports, for example, are usually defined as any physical activity that is both competitive and physical. However, the definition of what constitutes a sport continues to expand, now including such things as competitive eating and even competitive gaming. Those who work as professionals in this field can be anything from the athletes who perform the sport to managers to those who work own and operate sports-related facilities. 

Meanwhile, the arts encompass a vast number of artistic endeavors. Painting landscapes or sculpting may easily be considered art. Professionals in this field often work alone, although many art projects can involve groups of artists working together. Often artists will coordinate with engineers and architects to create public displays, as commissioned by local governments or private businesses. Many professionals in this industry also own and operate their studios or galleries, seeing a lot of foot traffic on a daily basis and selling artwork directly to customers.

Finally, recreational activities are anything that people can enjoy outside of work. While artists and athletes may enjoy their work, recreational facilities exist for people to relax. Such facilities, such as pools, gyms, and recreational centers, are often heavily utilized. Cities, in particular, will often have several forms of recreational centers, employing staff specializing in different types of recreation.

Sports, arts, and recreation have never been more popular. From table tennis to basketball, sports and recreational activities are so varied that there's something for everyone. However, no activity is without its risks. Even playing a simple game of table tennis can lead to injuries or result in something getting broken. Those who dedicate their lives to sports, arts and recreation are more likely to require insurance related to the risks involved.



Sports, Arts, Entertainment, and Recreation


Technology, media, and telecommunications businesses are focused on building and maintaining the infrastructure that supports their customer-facing services. Business owners in these fields need to make sure that their infrastructure and people are protected so that their customers receive reliable service.

A business insurance policy covering these types of companies will help you sleep better knowing that your assets are protected.

Read on to see understand what insurance you might need. 



Technology, Media and Telecommunications


If you work in the transportation and warehousing industry, then you already know that much more goes into the field than simply shipping something from one location to another. 

It is not enough to organize this shipment. You must also protect the goods both before, during, and after shipment. This is where insurance comes in. 

Read on to understand what insurance you may need. 



Transportation and Warehousing


The wholesale trade industry provides over five million jobs in the United States. Of the many wholesale trade businesses in this country, the majority are small and employ 20 or fewer workers. Each type of wholesale trade business specializes in the sale and distribution of a specific category of goods.

If you own a business within the wholesale trade industry, you might want to consider the ways in which you might safeguard your company's livelihood by obtaining an insurance policy designed to protect your specific needs in this sector.

Finding the right insurance for your business may not always seem straightforward, but we are here to help. 

Read on to learn more about what kinds of coverage your business might need.



Wholesale Trade

General Liability

This is an indication based on the information you provided. The final premium will be confirmed by your advisor and may change based on your employees' classification and your owners' payroll, as well as other applicable information. Please call us to get a final price.

Workers' Compensation

Commercial Property

Professional Liability

This is an indication based on the information you provided. The final premium will be confirmed by your advisor and may change based on your driver, claims, credit history, and other applicable information. Please call us to get a final price.

Commercial Auto

Umbrella Insurance

E&O - Errors & Omissions

Directors & Officers

Employment Practices Liability Insurance

Fiduciary Liability

Cyber Liability

Inland Marine

Product Liability

Special Events

Liquor Liability

Medical Malpractice

Ocean Marine

Health Insurance

Hired & Non-Owned Auto

Business Interruption

Equipment Breakdown

Garage Liability

Disability Insurance

Pollution Liability

Crime Liability

Employee Benefits Liability

Surety Bond

Fidelity Bond

Condemnation Coverage

Storage Tank Coverage

Management Liability

Equipment Floater

Miscellaneous Commercial Floater

Flood Insurance

Product Recall (Bermuda Only)

Miscellaneous Benefits

Foreign Workers Compensation - Excess

Blanket Accident

E&O - Contractors & Design Professionals

Credit Insurance

Intellectual Property Liability

Physicians & Surgeons Floater

Accounts Receivable/Valuable Papers

Airline Liability War

Charterers Liability - Marine

Aviation - Spares Coverage

Earthquake Coverage

Installation Floater

Group Accident

Windstorm Coverage

Aviation Insurance - Excess

Managed Care Liability

Advantage Boiler & Machinery

Inland Transit

Difference in Conditions - Excess

Professional Liability - Excess

Employer's Liability - Excess

Crime Liability - Excess

Owners & Contractors Protective Liab

Cargo Stock Throughput - Marine

Directors & Officers Run-Off

Property Floater

Environmental Insurance

Motor Truck Cargo

Jeweler's Block

Foreign General Liability - Excess

Directors & Officers Side A

Inland Domestic Transit

Representation and Warranties

Railroad Property

Railroad Liability

Cargo Marine Package

Medical Professional Liability

Cyber Liability - Excess

E&O - Architects & Engineers Professional Liability

Marine Multi-Liability

Media Professional Liability

Wrap-Up/OCIP General Liability

Miscellaneous Surety Bonds

Maritime Employers Liability - Excess

Travel Accident

Workers Compensation - Excess

Self-Insured Workers Compensation Bond

Court Bond

E&O - Technology - Excess

Fiduciary Liability - Excess

Fiduciary Bond

Directors & Officers - Excess

USL&H WC-Marine

E&O - Technology

Bumbershoot Liability - Marine

Life & AD&D

Special Risk

Product Recall/Extortion

Glass & Sign Coverage

Directors & Officers Side A DIC - Excess

Employment Practices Liability Insurance - Excess

Lawyers Professional Liability

Hull and Machinery Coverage - Marine

Defense Base Act

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