This page provides helpful videos and information to give our clients a better understanding of the coverages that are included in their insurance policies, and what coverages they may need beyond the basic needs.

Our agency also offers our clients the resources to build a good loss control program. Giving them tools to create a safer environment by providing a company safety manual, safety literature and mini posters. We can also help with OSHA regulations, employee handbooks and action plans.


Business Continuity Management

Business continuity management can be the difference between successfully recovering from a disaster and going out of business. See how business continuity management can help your business get back on its feet after a disaster strikes.

Don't Be A Target - A Cyber Risk Video

Cyber criminals have made headlines by targeting huge companies. However, in this cyber risk video, you'll learn how every company, no matter how small, could be exactly the target cyber criminals are looking for.

Directors and Officers Liability Coverage

You’ve read the headlines. In the event of an employment dispute, bankruptcy or other mishap, a company’s directors and officers are often the ones held responsible—even if they are not at fault. Watch this video to learn about D&O liability risks and how you can protect your management team.

Independent Contractor vs. Employee

Worker misclassification can be a costly mistake. This video explains the consequences of worker misclassification and helps employers determine if their workers are employees or independent contractors.

Client Resources

These items and hundreds more, are provided to our clients as a value-added service and can be personalized to reflect their company name. Contact us today to find out how your company can gain access to these helpful products.

Safety, Social and OSHA Posters

Insurance Insights and Coverage Information

OSHA Tools

Insurance Definitions

General Liability Insurance - a standard insurance policy issued to business organizations to protect them against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations; and advertising and personal injury (PI) liability.

Inland Marine insurance - provides protection for a business’ property that is mobile in nature or requires unique valuation. Coverage extends to property that is owned or in a business’ care related to construction, transportation, fine art and renewable energy.

Business Income Coverage -insurance covering loss of income suffered by a business when damage to its premises by a covered cause of loss causes a slowdown or suspension of its operations. Coverage applies to loss suffered during the time required to repair or replace the damaged property. It may also be extended to apply to loss suffered after completion of repairs for a specified number of days.

Legal Liability Coverage - provides coverage for sums the insured is obligated to pay as a result of accidental damage from a covered cause of loss to property of others in the insured's care, custody, or control.

Non-owned Auto Coverage - the term specifically applies to vehicles owned by employees and used for company business; it applies only if such autos are private passenger type autos.

Errors and Omission (E&O) Insurance - an insurance form that protects the insured against liability for committing an error or omission in performance of professional duties. Generally, such policies are designed to cover financial losses rather than liability for bodily injury (BI) and property damage (PD).

Equipment Breakdown Coverage - coverage for loss due to mechanical or electrical breakdown of nearly any type of equipment, including photocopiers and computers. Coverage applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown. Resulting business income and extra expense loss is often covered as well.

Commercial Property Insurance - an insurance policy for businesses and other organizations that insures against damage to their buildings and contents due to a covered cause of loss, such as a fire, theft and wind damage.

Commercial Crime Policy - typically provides several different types of crime coverage, such as: employee dishonesty coverage; forgery or alteration coverage; computer fraud coverage; funds transfer fraud coverage; kidnap, ransom, or extortion coverage; money and securities coverage; and money orders and counterfeit money coverage.

Extra Expense Coverage - insurance that pays for additional costs in excess of normal operating expenses that an organization incurs to continue operations while its property is being repaired or replaced after having been damaged by a covered cause of loss. Extra expense coverage can be purchased in addition to or instead of business income coverage, depending on the needs of the organization.

Hired Auto Coverage - with certain exceptions, the term refers to coverage for autos the named insured leases, hires, rents, or borrows.

Electronic Data Processing (EDP) Coverage - property insurance for electronic data processing (EDP) equipment (computers), computer programs and data.

Cyber Liability Coverage - cyber and privacy policies cover a business' liability for a data breach in which the firm's customers' personal information, such as Social Security or credit card numbers, is exposed or stolen by a hacker or other criminal who has gained access to the firm's electronic network. The policies cover a variety of expenses associated with data breaches, including: notification costs, credit monitoring, costs to defend claims by state regulators, fines and penalties, and loss resulting from identity theft.

Accounts Receivable Coverage - insures against loss of sums owed to the insured by its customers that are uncollectible because of damage by an insured peril to accounts receivable records.