At Kilbride & Harris we offer a full line of insurance products designed to protect your business.

Below are some of the business insurance products that we offer to our clients.

Business owners Policy (BOP):

Similar to the commercial package policy (CPP), it provides broad property and liability protection in a single contract and is designed for small and medium-sized office, service or mercantile risks. 

Commercial Package Policy (CPP):

A package policy designed for larger commercial risks that can provide in one policy, several lines of insurance business as needed by that commercial venture. Lines of business that may be included in the CPP are property, general liability, inland marine, crime, boiler and machinery insurance, and commercial automobile.

Commercial General Liability Policy (CGL):

The commercial general liability policy provides comprehensive general liability coverage for commercial risks covering all liability exposures for all locations and causes of loss except those specifically excluded or limited either within the coverage form or by endorsement. Protection is typically provided on an occurrence coverage form or a on a claims-made coverage form.

Workers Compensation Insurance:

Protection which provides benefits to employees for any injury or contracted disease arising out of and in the course of their employment. All states have laws, which require employers to provide such protection.

Cyber Liability Insurance:

Protection for your practice in the event a data security breach occurs.  A breach can occur by something as simple as: 

·        an outside source entering your data base and stealing personal information

·        a lap top being stolen, misplaced or left out in the open

·        improper disposal of records

·        human error

·        or even a lost blackberry or iPhone

 Many states now require you to notify all your customers even if a breach is only suspected. The average cost per notification is $204.

Fiduciary Liability Insurance:

Protection for those persons administering pension and welfare funds, profit sharing and other employee benefit programs against loss for errors and or omissions by the administrator. The Employee Retirement Income Security Act (ERISA) of 1974 created the need for this coverage. Also known as pension trust liability insurance.

ERISA Bond – Employee Retirement Income Security Act of 1974:

Sometimes called the “pension reform act.” One of the purposes of this act is to force employers to protect the assets of the business that have been designated as employee pension benefits via an ERISA Bond. 401(k) Profit sharing or pension plans are subject to the ERISA Bond act.

EPLI-Employment Practice Liability Insurance (EPLI):

Today’s litigious workplace and the evolving social media networks are exposing employers to new areas of employment discrimination, harassment, libel, slander, invasion of privacy, defamation, mental anguish and emotional distress not yet fully tested in the courts. Are you, your managers, employees and even third parties protected? As the name implies, Employment Practices Liability Insurance (EPLI) provides broad insurance protection from such employment-related claims and lawsuits.

 Directors & Officers Liability Insurance:

Protects officers and directors of not-for-profit or for profit corporations against damages from claims resulting from negligent or wrongful acts in the course of their duties. It can also cover the expenses incurred in defending lawsuits arising from alleged wrongful acts of officers or directors. These policies typically include employment related practices liability coverage as well.