Cyber liability insurance protects your business against the expenses associated with a data breach. We’ll help you evaluate the data liability risks your business faces and find you a policy that meets your specific needs. Getting hacked isn’t just a hassle. It also poses a potentially huge and unexpected cost to your business. Cyber liability insurance is a specialized policy that’s customized to cover many of the risks your business faces from an information breach–and even covers some risks you might not have thought of.
As an employer, you face a rising tide of employment practices litigation alleging discrimination, sexual harassment, retaliation, and other employment-related issues. We’ll work with you to help you assess and manage your risk proactively. The demand for this coverage is ever-increasing because there is so much potential for lawsuits over wrongful termination, harassment, discrimination and workplace conditions.
Errors and Omissions Insurance helps protect businesses from claims relating to an error or omission (mistake) in providing professional services that can lead to a lawsuit. An error or omission can occur on almost any transaction. It doesn’t matter how long you have been in business or how good you are. All Professional Service Firms are at risk. E&O insurance programs help provide protection for the busy professional from the liability associated with such errors, mistakes or omissions.
Any professional can be sued for an error or omission. Even the most diligent professional can be held liable or be sued for a professional error, omission or mistake. Error and omissions insurance helps protect a professional both for claims relating to mistakes and claims relating to allegations of errors or omissions. Defense costs are a significant portion of the cost of an errors and omissions insurance policy. It is not uncommon for a professional to spend thousands of dollars on defense costs for a matter that ultimately gets dismissed.
While errors and omissions insurance has been a hot item for doctors, lawyers, financial services professionals and realtors, all businesses face professional liability risk. To determine whether you need E&O, ask yourself : "Can I afford to wage or lose a civil lawsuit arising out of professional error on my part?" For the majority of small businesses, the answer is no. That's because the American legal system tends to severely punish professional error with award judgments in seven figures and up. Even if you win a lawsuit, there's the question of paying the lawyers.
If you subject E&O to a quick risk-benefit analysis, you'll see that the annual premium, which is generally affordable, yet varied depending on how many individual employees you insure, and the nature of your business, is well worth the protection. Remember, the vast majority of small businesses can be shut down by a single unfavorable ruling in court.
As a business that serves alcohol, liquor liability insurance is essential. This type of policy protects you and your business in the unfortunate event that a customer causes damage or injury after being served alcohol by your business.
A surety bond is a great way to guarantee that a large investment in a project is not lost—whether or not the work gets done. This type of insurance is especially common in the construction industry and is often utilized for government contracts.
Builders risk insurance is effectively a form of property insurance that covers construction sites during the period while under construction. It’s possible for the property owners to take out such a policy, though more commonly it’ll be a policy they insist the responsibility is for contractor insurance.
Our dedicated staff of insurance professionals are here to assist you in securing an insurance policy to protect the things you've worked hard for. With a vast knowledge of our many carriers, we are equipped to shop for the best policy to suit your specific needs. Our job is to help you navigate through the sea of policy options and clarify any questions or concerns you may have along the way. We’ve successfully served hundreds of customers and are determined to treat each individual with respect and compassion. Shopping for insurance can be difficult, but our staff does the work for you and one of our goals is to keep this as effortless as possible for you. Maintain your peace of mind knowing that our insurance professionals have your back.
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We happily service Fort Collins, Greeley, Windsor, Loveland, Timnath, Wellington, Evans, Johnstown, Eaton, Berthoud, Severance, Milliken & all communities in Colorado.
Great people to work with! They are able to shop multiple companies to get you the best price for your needs. They are also knowledgeable about important city ordinances to make sure you are protected. Highly recommend!