Benefits of a specialized E&O policy may also include:

• Monthly payment options to help spread out your payments so you can better manage your cash flow
• Coverage of temporary staff, full-time employees, and independent contractors
• Past work covering unforeseen claims arising from work completed before you were even insured, to a pre-agreed date
• Worldwide coverage if the claim is filed in the U.S., one of its territories or Canada
• Claims responsiveness when time is of the essence, especially in the event of an insurance claim
• Tailored coverage for the specific risks of your field and industry
• Knowledgeable agents who provide exceptional, passionate service
• Coverage for contracts satisfying most standard contract insurance requirements
• Fast and simple online quotes, or helpful agents, immediate coverage

Coverage for Farm & Ranch includes:

• Disruption of farming operations in case of extra expenses and loss of income caused by a covered loss to a building or piece of equipment.
• Identity fraud expense coverage that can reimburse you for covered expenses incurred in restoring your identity.
• Earthquake coverage for farms and ranches with fault lines nearby.
• Farm machinery and equipment replacement coverage for equipment up to five years old.
• Peak season coverage endorsement for harvest times, or when you have greater than average quantities of product in storage on your property.
• Sewer/sump pump backup… just in case.
• Temperature sensitive endorsement for covering temperature-sensitive products, as a result of a temperature control fluctuation.
• Household property protection for your household contents, including gold, furs, firearms, electronics, and more.

Coverage may include:

• Tenant injuries due to a loose handrail or exposed sprinkler head causing a tenant to fall and become injured. If you’re found negligent in maintaining the property or failed to warn the tenant of a potential safety risk, landlord liability can cover you.
• Proper security for your tenants in terms of lighting and parking safety.
• Unlawful behavior by tenants that you fail to take measures against could land you in trouble with the neighbors.
• Liability to cover you against claims of accidental damage in relation to your investment property.
• Fair Rental Value Coverage to cover lost income due to your property ever being declared unlivable due to a covered loss.
• Inflation Protection which automatically adjusts your policy limits to keep pace with inflation, including premium discounts.
• Personal Injury Protection should a tenant claim injury arising out of libel, slander, invasion of privacy, wrongful eviction or wrongful entry.
• Lock replacement to cover the costs of replacing locks and keys.

What does liquor liability insurance cover?

A good deal of alcohol-related liability claims filed against bars, taverns, and restaurants are a result of liquor-induced fights or altercations. In fact, just escorting an unruly patron to the exit is frequently enough to trigger an assault and battery allegation. Along with coverage for these events, litigation costs, including the fees to retain an attorney and court costs may also be covered under a liquor liability policy.