DIRECTORS & OFFICERS INSURANCE. Whether right or wrong, Directors and officers liability insurance is used to provide defense coverage and insure against claims for negligent acts, errors or omissions alleged to have been committed by present or former directors or officers of your corporation. Due to high scrutiny of the Sarbannes-Oaxley Act, no as publicly-traded companies should be without D&O coverage. Yet, privately-held companies need D&O coverage as well. Public companies as well as non-profit organizations may need this coverage to attract quality board members and top executives.

EMPLOYMENT PRACTICES LIABILITY INSURANCE. Employment-related lawsuits against employers are on the rise and can drain a company’s time and money even if an allegation is groundless. Sometimes, the costs incurred to just defend an alleged employment practices-related lawsuit may cost more than the alleged damages or settlement offered. Don’t expose your company to these type of lawsuits. Many carriers offer advice and services to your HR staff, such toll-free hotlines to attorney specializing in employment law.

Pollution Liability Your business may have a site pollution exposure that will NOT be covered on your business general liability policy.

Product Recall Insurance. Insurance to cover the high costs of recalling your products, no matter the cause – accidental contamination, vendor negligence, terrorist tampering, extortionists or vengeful individuals. Includes crisis management expertise, prevention programs and rapid response preparedness.

Aviation Liability. Aviation and aerospace liability insurance.

Marine Product Liability. Affordable product liability coverage for marine-related products (ship propeller) and operations (dock operations, ship builders/repair/restoring, etc.)