Our Program

Main Coverage Components

Every policy through our program has four (4) main coverage components:

PROFESSIONAL LIABILITY

Professional liability insurance is a coverage that protects your company against claims that a professional service you provided caused your client to suffer financial harm.

GENERAL LIABILITY

General liability insurance protects your business against third-party claims of bodily injury or damage to someone else’s property caused by your operations.

ABUSE & MOLESTATION

This critical coverage responds to allegations of sexual/physical abuse and molestation and provides for defense costs and indemnification.

AUTO LIABILITY (HIRED & NON-OWNED)

Auto Insurance provides liability coverage for bodily injuries or property damage that you or your employees cause while driving for work.

Coverage Highlights

Our program has been helping ABA agencies like yours manage risk for over a decade. In addition, we also provide a number of valuable services with our program to help ensure your success.

Subject to change based on policy terms, conditions, and underwriting limitations.

Value-Added SERVICES

What’s Automatically Included:

  • Occurrence-Based Policy
  • Innocent Party Defense for Abuse
  • Automatic Additional Insured Status
  • Blanket Waiver of Subrogation
  • Automatic Coverage for Employees
  • HR Support Tools
  • Risk Management & Loss Control

We offer flexible payment options for ABA agencies of all shapes and sizes!  Are you ready to protect your agency against risk? Our seasoned insurance professionals are ready to help.

APPLY ONLINE

Additional Coverage Options

We can also place the following coverage within our program:

BUSINESS PERSONAL PROPERTY

Business personal property or business contents, refers to moveable items owned by your business like office supplies, furniture, computers, and equipment.

BUSINESS INTERRUPTION

Business interruption insurance covers the loss of income that a business suffers due to a shutdown of the operations from a covered cause of loss.

CYBER LIABILITY

Cyber liability insurance covers financial losses that result from data breaches and other cyber events. Protect your ABA agency from cyber threats.

DATA BREACH

Data Breach coverage provides financial assistance to mitigate the impact of data breaches and cyberattacks at your small business.

WORKERS’ COMPENSATION

Workers’ Compensation Insurance covers the expenses that come with an employee’s work-related illness or injury.

UMBRELLA LIABILITY

An umbrella policy is extra liability insurance coverage that goes beyond the limits of the underlying liability policies.

Property Coverage Enchancements & Limits

Below are the property coverage enhancements available with our plan, and their relevant limits. As with our professional liability coverage, please note coverage and limits are subject to change based on policy terms, conditions, and underwriting limitations.

Computer and Funds
Transfer Fraud

Employee Theft Incl.
ERISA Compliance

Forgery and Alteration

Sewer Backup

Tenant Glass

Business Income

Property of Home
Care
Provider

Identity Theft Expenses

Executive Officer
Replacement Expenses

Do you have questions about our insurance coverage options? Ask a pro.