Coverages
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Choosing the appropriate coverage and deductibles is an important part of your risk management strategy.
Our Risk Management Advisors can help with individual visits to discuss the following coverages:
Workers’ Compensation:
We provide statutory Workers’ Compensation Coverage as well as Employer’s Liability Coverage.
Highlights include:
- Self-Insured Retention Options.
- Risk Financing and Excess Programs.
- The Alliance program consists of high-quality medical providers dedicated to excellent medical care while reducing medical costs.
Liability:
We offer General Liability, Automobile Liability, Law Enforcement Liability, Public Officials’ Errors and Omissions Liability, Cyber Liability, and Airport Liability.
Highlights include:
- Claims management by specialists who know and understand immunities and tort caps applicable to local governments.
- Broad coverages designed for the unique needs of local governments.
- Errors and Omissions coverage includes employment-related claims.
Property:
We offer coverage for buildings, contents, mobile equipment, and boilers and machinery.
The marquee feature of our property program is our turnkey recovery partners — SynergyNDS and BEST Roofing Program. If you have a catastrophic loss or severe roof damage, call us first. Turnkey recovery means just that: we can have people on site immediately to stabilize damage and — at your option — handle every facet of reconstruction. Check out Episodes 4 and 6 and the related materials of the STP Podcast to learn more.
Special Risks:
We cover special risks, including:
- Crime coverages — public employee dishonesty,
theft disappearance and destruction, forgery or alteration, and computer fraud. - Animal mortality and theft.
- Special events.
- Fine arts.
- Drones (UAV).
Cyber Liability:
We offer robust loss prevention services related to cybersecurity, and the following coverages:
- Information Security and Privacy Liability Coverage
- Website Media Content Liability Coverage
- Regulatory Defense and Penalties Coverage
- PCI (Payment Card Industry) Fines, Expense, and Cost Coverage
- Cyber Extortion Coverage
- Data Protection Coverage
- Network Business Interruption Coverage