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General Liability Insurance
Protects businesses from third-party claims of bodily injury, property damage, and personal or advertising injury.
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Commercial Property Insurance
Covers damage to or loss of business property and physical assets due to fire, theft, or disasters.
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Business Interruption Insurance
Replaces lost income and covers ongoing expenses if your business is forced to close temporarily due to a covered event.
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Workers’ Compensation Insurance
Provides medical and wage benefits to employees injured or made ill on the job.
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Commercial Auto Insurance
Covers vehicles owned or used by the business for liability and physical damage.
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Professional Liability Insurance (E&O)
Protects against claims of negligence, errors, or omissions in professional services.
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Product Liability Insurance
Covers legal costs and damages if a product causes injury or property damage.
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Employment Practices Liability Insurance (EPLI)
Protects against claims related to employment practices, such as discrimination, wrongful termination, or harassment.
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Cyber Liability Insurance
Covers losses from data breaches, cyberattacks, and other technology-related risks.
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Commercial Umbrella Insurance
Provides additional liability coverage above the limits of other business policies.
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Directors and Officers (D&O) Liability Insurance
Protects company directors and officers from personal losses due to lawsuits alleging wrongful acts in managing the company.
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Crime Insurance
Covers losses from theft, burglary, forgery, or fraud by employees or outsiders.
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Equipment Breakdown Insurance
Covers repair or replacement costs if equipment breaks down due to mechanical or electrical failure.
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Business Owner’s Policy (BOP)
Bundles general liability, property, and business interruption insurance into one convenient package.
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Inland Marine Insurance
Covers property and equipment in transit or stored offsite.
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Commercial Flood Insurance
Protects against damage from flooding, which is typically excluded from standard property policies.
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Commercial Earthquake Insurance
Covers damage from earthquakes, also typically excluded from standard property policies.
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Key Employee Insurance
Provides financial protection if a crucial employee dies or becomes disabled.
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Fidelity Bonds
Protects businesses against losses caused by employee dishonesty or theft.
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Accounts Receivable Insurance
Covers losses if clients fail to pay invoices due to insolvency or default.
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Health Insurance
Covers medical expenses for illnesses, injuries, doctor visits, hospital stays, and prescriptions.
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Life Insurance
Provides financial support to beneficiaries upon the policyholder’s death, with options like term and whole life insurance.
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Auto Insurance
Protects against financial loss from car accidents, theft, and damage to your vehicle.
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Homeowners Insurance
Covers damage to your home and personal belongings due to fire, theft, storms, and other perils, plus liability protection.
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Renters Insurance
Protects personal belongings and provides liability coverage for those who rent their home.
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Disability Insurance
Replaces a portion of your income if you become unable to work due to illness or injury.
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Long-Term Care Insurance
Helps cover the cost of long-term care services, such as nursing home or in-home care.
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Flood Insurance
Provides protection against damage to your home and belongings from flooding, not covered by standard homeowners policies.
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Umbrella Insurance
Offers additional liability coverage beyond the limits of your auto, home, or renters insurance.
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Dental Insurance
Helps pay for routine dental care and more significant dental procedures.
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Vision Insurance
Covers eye exams, glasses, and contact lenses.
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Travel Insurance
Protects against losses while traveling, such as trip cancellations, lost luggage, and medical emergencies.
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Pet Insurance
Covers veterinary expenses for your pets in case of illness or injury.
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Critical Illness Insurance
Pays a lump sum benefit if you are diagnosed with a serious illness such as cancer, heart attack, or stroke.
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Accident Insurance
Provides cash benefits to help pay for out-of-pocket expenses after an accidental injury.
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Landlord Insurance
For property owners renting out a home or apartment, covers property damage and liability.
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Motorcycle Insurance
Specialized coverage for motorcycles, including liability, collision, and comprehensive protection.
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RV Insurance
Protection for recreational vehicles, covering both liability and physical damage.
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ATV Insurance
Provides coverage for all-terrain vehicles, including liability and physical damage.
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Group Health Insurance
Health coverage offered by employers or organizations to their members or employees.
Great customer service from empire team when i filled an auto claim