General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business. SCIB recommends that all businesses have general liability coverage in place.
Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies. SCIB recommends that all professional and technology companies have E&O coverage.
D&O insurance covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well.
Employment Practices Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. If you have employees, SCIB recommends considering this type of coverage.
I greatly appreciate when my agent shops around for the best deal for me. I genuinely feel they have my best interests in mind. I really like it when I can speak to an actual human not just some automated system and recap my coverage once a year.
The quotes and savings they found for me are amazing. The return calls are prompt. The insurance broker makes everything easy to understand. When I changed policy carriers the broker also made it easy and not stressful. I love you SCIB!!!!!
Unfortunately I had water damage in my home and I felt that the staff did an outstanding job and were also sympathetic to the fact I just had my home ruined. Attention was very prompt and respectful!
You reach out to ME when it’s time for a review. It’s easy to talk to someone when I have questions. You do the insurance comparisons for me so I don’t have to contact everyone about rate.
You are always looking out for our best interest as home owners. You make sure we are well covered. Thank you to you and your staff.