Insurance protecting real and business personal property from direct physical loss. This type of commercial policy can include coverage for loss of income and extra expense to get operations up and running again.
Liability coverage for bodily injury, property damage, or personal injury to a third party. A general liability policy is typically the first policy any new business will be compelled to purchase.
Required by law in most states, workers compensation insurance covers medical expense and loss of wages to employees injured on the job. Employer’s liability is included under this policy.
This policy covers liability arising out of a company’s vehicle use and physical damage. Coverage can be purchased for owned and hired & non-owned autos. Associated Agencies will put together a proposal of insurance covering your fleet of trucks, taxis, buses, limousines, trailers, and any specially customized vehicles.
Umbrella & Excess
This type of policy provides excess coverage over a company’s primary general liability, commercial auto, and employer’s liability coverage. It is triggered when an underlying coverage limit is exhausted in the event of a catastrophic loss.
For service businesses such as doctors, lawyers, advertising agencies, technology providers, financial advisors, consultants, etc., a professional liability policy covers damages caused by an error or omission in your work product.
Associated Agencies can provide bonds for any surety obligation. Performance, bid, truck broker, cement layer, water, general contractor, pre-need cemetery sales, and energy bonds are some examples of the type of surety products available.
Data Breach & Privacy Liability
Also known as “Cyber” liability, this type of policy covers a company in the event a data breach or network security incursion allows an outside party to access sensitive personal information. Third party coverage for things like privacy liability, notification expense, breach response, and digital forensics investigation are typically included. First party coverage such as restoration of data and loss of income can also be purchased.
Media & Content Liability
For content producers, coverage against violations of another party’s intellectual property rights or libel, slander, and defamation are critical to protecting the continuity of your business. A media policy provides coverage against defense and damages for this type of risk.
Directors & Officers Liability
Management liability protecting a company against wrongful acts by members of its board of directors in breach of their fiduciary responsibility. This type of policy is available to both for-profit and not-for-profit companies.
Employment Practices Liability
Coverage for damages and defense against claims of discrimination, harassment, wrongful termination, and failure to promote.
Protection against employee dishonesty, forgery or alteration of documents, theft of money & securities, computer fraud, and other forms of white-collar crime.
Inland marine & Ocean Cargo
Property is just as vulnerable to loss while in transit as at rest in your physical facility. Inland marine and ocean cargo provide coverage for goods against direct physical damage, misappropriation, and theft.
Associated Agencies is a national provider of insurance for not-for-profit organizations. Insurance companies we represent include a wide variety of large scale and specialty insurers interested in working with not-for-profits.
Provides protection against the inability to collect on aged receivables. Credit insurance products also include access to crucial information on the credit worth.