Commercial General
Liability Insurance
NY
General Liability Application
Commercial General Liability
(GL) Insurance is insurance that protects the insured organization
and its representatives against allegations of negligence that
result in bodily injury. These “slip-and-fall” types
of policies generally exclude coverage for allegations of wrongdoing
where physical injury cannot be proven (i.e. mismanagement, conflict
of interest, or harassment). Property coverage in many cases,
is packaged along with GL to allow coverage for damage to office
equipment or buildings, however, in its purest form GL only covers
the insured for claims resulting in injury.
Professional
Liability
Professional Liability (AKA Errors
and Omissions Insurance or Malpractice Insurance) covers an insured
person or organization against allegations with respect to performance
of a professional service. Lawyers, Accountants, Social Work Professionals,
and Insurance Representatives are some examples of work that require
the application of advice or recommendations. This Type of insurance
can be written in a very broad form such as in a miscellaneous
professional liability policy which allows coverage for various
types of professional services, or it can be written very strictly
to cover a specific type of service like medical malpractice or
insurance representatives errors and omissions.
Employment
Practices Liability
Employment Practices Liability
Insurance (EPLI) covers an insured person or organization against
in the course of employment. Wrongful termination, unfair hiring/firing
practices, hostile work environment are some examples of claims
that fall under the scope of this coverage. Like General Liability,
this insurance can be written alone, however, it is many times
Package within a director’s and officer’s (D&O)
liability policy to make that policy more comprehensive and more
affordable.
Director’s
and Officer’s Liability
D&O Insurance indemnifies
and organization (sometimes referred to as the entity) and its
officers for allegations for wrongful acts resulting from the
management and governance of an organization. Some types of claims
that would fall under this coverage would be operating outside
of the organization bylaws, misappropriated funds, conflict of
interest allegations, and discrimination.
Crime
Insurance, Employee Dishonesty, Fidelity Bonds
Crime
Insurance Application
Crime Insurance covers an organization
against theft of money or property from company employees or representatives.
Many property insurance forms allow coverage for theft resulting
from robbery or break-in but exclude coverage for fraudulent or
dishonest acts committed by employees.
Fiduciary
Liability
