Commercial Umbrella -

Excess coverage over your primary limit of insurance up to $5 million

Commercial Auto Policies -

For autos titled in the name of the business or leased for business use

ERISA Bonds -

This covers your 401 K or IRA offered to your employees

Flood Insurance -

Standard BOP policies exclude coverage for rising waters due to a storm. A separate policy can be issued for properties in flood zones. Search the FEMA Flood Map to determine your business' risk of flooding.

Earthquake Insurance -

Standard BOP policies exclude coverage for damage caused by earthquakes. This can be purchased for an additional premium under your BOP.

Equipment Floater Policy -

For your medical equipment on a replacement cost or actual cash value basis. This includes, x-rays, MRIs, CAT scans, etc.

Tenant's Liability -

Coverage required by your landlord. It is also known as fire legal liability for limits starting at $300,000 up to $1 million (this is for your leased or rented space).

Improvements and Betterments Liability -

Coverage for owned or leased space where you have upgraded, constructed, or renovated the area used for your business operation(s).

Business Personal Property -

Coverage for contents used in your business' daily operations. This includes, but is not limited to, office furniture, computers, medical equipment, exam tables, and any other fixtures not permanently attached to the building.