Business Insurance Products

Commercial Property Insurance

Protects physical assets, including buildings, equipment, and inventory, against damage or loss due to events like fire, theft, or vandalism.

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General Liability Insurance

Covers legal fees and medical expenses if someone is injured on your business premises.

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Professional Liability Insurance (Errors and Omissions)

Provides coverage for claims arising from professional mistakes or negligence that result in financial loss to a client.

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Workers' Compensation Insurance

Mandatory in most states, it covers medical expenses and lost wages for employees who suffer work-related injuries or illnesses.

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Commercial Auto Insurance

Covers vehicles owned or used by your business, including liability for bodily injury and property damage, as well as physical damage to the vehicles.

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Cyber Liability Insurance

Protects against losses from data breaches, cyberattacks, and other cyber-related incidents, covering costs like notification expenses, legal fees, and fines.

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Employment Practices Liability Insurance (EPLI)

Covers claims related to employment issues such as wrongful termination, discrimination, harassment, and other employment-related allegations.

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Product Liability Insurance

Protects against claims of injury or damage caused by products your business manufactures, distributes, or sells.

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Inland Marine Insurance

Covers property in transit over land, as well as certain movable property, providing protection for goods, tools, and equipment during transportation.

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Umbrella Insurance

Provides additional liability coverage beyond the limits of your primary policies, offering extra protection against large claims or lawsuits.

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Environmental and Pollution Liability Insurance

Protects against claims related to environmental damage or pollution caused by your business operations, covering cleanup costs, legal fees, and third-party damages.

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Maritime Employers Liability (MEL) Insurance

Covers employers for liabilities under the Jones Act and General Maritime Law for injuries to employees classified as seamen while working on non-owned vessels. Merrimac Insurance.

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Marine General Liability (MGL) Insurance

Provides coverage for general liability exposures specific to marine operations, including premises liability, products liability, and completed operations.

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Oil and Gas Insurance

Offers specialized coverage for businesses in the oil and gas industry, addressing risks such as well control, pollution liability, and property damage related to exploration and production activities.

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Jones Act Coverage

Provides protection for employers of seamen, allowing injured maritime workers to sue for damages due to employer negligence under the Merchant Marine Act of 1920.

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U.S. Longshore and Harbor Workers' Compensation Act (USL&H) Insurance

Covers maritime workers who are not seamen, such as longshoremen and harbor workers, providing compensation for injuries or occupational diseases occurring on or near navigable waters.

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