Provides protection against most risks to property, such as fire, theft and some weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, or boiler insurance. Property is insured in two main ways—open perils and named perils.
Provides wage replacement and medical benefits to employees injured in the course of employment.
Provides financial protection for cars, trucks, and other road vehicles against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. It may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as weather and/or damage sustained by colliding with stationary objects.
Provides liability insurance for general business risks. It is the "first line" of coverage that a business typically purchases and covers many of the common risks that can happen to any type of business, such as bodily injury or property damage on the business premises or due to the business operations, personal and advertising injury, and medical payments.
Provides liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies. When an insured is liable to someone, the insured's primary insurance policies pay up to their limits, and any additional amount is paid by the umbrella policy (up to the limit of the umbrella policy).
Provides limits in excess of an underlying liability policy. The underlying liability policy can be, and often is, an umbrella liability policy. An excess liability policy is no broader than the underlying liability policy; its purpose is to provide additional limits of insurance.
A foreign package product providing insurance solutions to U.S.-based businesses with overseas exposures ranging from travel to export sales to physical operations. Package is comprised of General Liability, Excess Auto and Foreign Voluntary Compensation.