Property coverage protects business property and inventory used in the course of business. This coverage can include owned buildings, business personal property, computer hardware/software, property of others and loss of earnings due to covered cause of loss.Options Can include peripherals, bridges, telephone switch gear, hard drives, modems, routers and fax machines.

Options
· Systems Breakdown
· Property in Transit
· Loss of Income “actual loss sustained”
· All risk computers to include protection against
· Computer viruses, trojans or worms
· Damage resulting from computer hackers
· Replacement cost with no coinsurance
· Employee personal effects(including tools coverage)

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General liability coverage provides financial protection for your business in case it is ever sued or held leaglly responsible for incidents of bodily injury and/or property damage that occur at your place of business or at your customer's place of business.

Options
· Fire Legal Liability
· Hired and Non-Owned Auto
· General aggregate limits
· Medical Expenses any one person

The General Liability is not designed to pick up the professional liability exposure therefore we have added the following exclusion: Exclusion - Testing and Consulting Errors and Ommissions.

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Professional liability protects the holder against loss from a clAim of alleged negligent acts, errors or ommissions in performance of holder’s professional services. Professional liability may also covers the holder against claims of liabel, slander and invasion of property. The professional liability policy will respond even if the claim is false or groundless.

Options
· Optional Limits
· Annual Aggregate
· Virus Liability
· Intellectual Property

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Fidelity bonds provide coverage for employee dishonesty, including stolen property, cash, checks and securities.

Options
· Optional Limits
· Annual Aggregate
· Blanket or Scheduled
· Forgery or Alterations
· Public Employee Dishonesty
· Third Party Crime

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Workers Compensation provides medical and disability coverage for on-the-job injuries or work related injuries. This coverage also provides Employer’s Liability coverage, a coverage that protects the company from and injured employee's claim that the employer was negligent.

Options
· Employer Liability Limits
· Managed Care discounts
· Dividend plans
· Alternative Employer endorsement

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Directors and Officers Liability coverage provides protection for a business, its directors, officers, and trustees of for-profit businesses, as well as employees and volunteers of non-profit organizations. The coverage of this policy includes mismanagement of funds and employment practices litigation. This coverage provides flexibility in handling the claim by allowing you to choose the limits and deductibles.

WHY DIRECTORS AND OFFICERS LIABILITY COVERAGE IS RECOMMENDED:

Directors and officers liability coverage helps eliminate potential gaps in your existing insurance policy, and helps safeguard you and your company from being pursued by claims directed against individuals within your organization. Due to the often volatile nature of today’s high-tech business environment, it is important to carry adequate coverage for those individuals making important decisions.

Features:
· Directors and officers liability provides "entity" coverage for merger and acquisition claims with optional SEC "entity" coverage and demutualization "entity" coverage.
· Policy provides coverage for defense costs up to $25,000 for any actual or alleged breach of contract agreements.
· Defense costs in addition to the limit of liability. Claims expense will not erode the limit of liability.
· Coverage extends to spouses of the director and officers, as well as to duties for a non-profit organization.
· Supplemental payments for court attendance of $100 per day with no limitation.
· Optional multi-year policy with discounted premium for the subsequent years.
· Defense costs sub-limit provided for anti-trust, price fixing, and restraint of trade.

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Commercial Automobile
Umbrella Liability Limits
Employment Practices Liability (EPLI)

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