Coverage service businesses commonly carry
- Professional liability (errors & omissions): claims of negligence, mistakes or failing to deliver professional services
- Commercial general liability: visitor injuries and damage to others’ property
- Cyber liability: data breaches, ransomware, privacy notification costs and business interruption from cyber events
- Office contents and equipment, including laptops off premises
- Business interruption
- Directors & officers liability for incorporated businesses and boards
Working from home?
A home insurance policy usually provides little or no coverage for business equipment, client visits or professional liability. A small business package or an endorsement can fill those gaps.
Some professions, such as lawyers, accountants and real estate agents, have mandatory insurance through their regulatory body. I can help with the coverage that sits around those programs, such as cyber, office and general liability.
Coverage descriptions are general. Your policy wording, limits and exclusions determine what is covered. Availability and premiums vary by insurer and by your circumstances.