Cigarroa Insurance Services
Umbrellas.jpg

Coverages

Comprehensive. Options.

Areas of Practice

 

General Liability

General Liability is an essential insurance policy every business needs to consider purchasing.  It protects you and your business from a variety of liability claims brought by customers and vendors.  The insurance can provide protection for liability resulting from bodily injury, property damage, personal, and advertising injury caused by your  business.  In some instances, your customers or vendors may require proof that you have General Liability insurance.


Professional Liability

Also known as errors and omissions insurance, Professional Liability is designed to protect you and your business from allegations of negligence in providing a service for a fee.  If your business provides any professional services, whether or not it requires a license, you may need to explore the coverage offered by Professional Liability Insurance.


employment practices liability

If you have any employees, consider the peace of mind that comes with purchasing an Employment Practices Liability policy.  Also known as EPLI, the insurance provides coverage for claims brought by prospective, current, and former employees alleging discrimination, harassment, and wrongful termination, among many others.  The number of employment-practices related claims continues to rise every year and impacts businesses of any size or industry.


Businessowners Policy

A Businessowners Policy, or BOP, is a cost-effective way to combine General Liability, Property Coverage, and Business Income Insurance into one policy.  It is designed for small to mid-size businesses in a variety of industry classes.  There are certain restrictions for BOP eligibility that vary from carrier to carrier.  That's why it helps to work with an independent broker that can help you find the right program .


Cyber Insurance

There is probably no topic more in the news these days than cyber.  Cyber is a growing risk to any business that has a digital presence, handles customer information or transacts business electronically.  It is also a broad term with different meanings that can create gaps in coverage if not addressed properly.  Cyber has both first-party and third-party risk exposures and both should be covered under a comprehensive insurance program.


not-for-profit insurance

Not-for-profit organizations work to help others, but are still exposed to numerous liability exposures arising out of their operations.  If your not-for-profit has a Board of Directors, the insurance will help to protect their personal assets from claims of mismanagement.  Not-for-profit insurance also offers coverage for Employment Practices Liability claims, including those brought by or against volunteers.