Business insurance tailored to your specific needs.
With isure clients in mind, we aim to provide coverage for even the most specialized of business types, which means no cookie-cutter insurance coverage. In addition, we offer specialized insurance covers a range of industries and industry segments. Below are some examples of what we mean when we talk about specialty insurance:
Directors & Officers Insurance (D&O)
What is Directors & Officers Specialty Coverage Insurance?
If you are a Director or Officer of a company, you are at-risk of being sued for damages caused by the company you work for. This type of coverage protects your company when a member of your board is facing a case associated with losses, indemnification or legal defense. This includes any actual or alleged act, error or omission, misstatement, misleading statement, neglect or breach of duty by D&O’s, individually or collectively, in the discharge of their legal duties in their capacity as D&O’s of the Corporation.
Who needs D&O Insurance?
The term “Director” or “Officer” does not refer to a specific job title, but rather, someone who is legally responsible for managing the affairs of an organization. Typical duties of this type of occupation ranges from fiduciary to legal and are accountable for their own actions.
Errors & Omissions Insurance (E&O)
What is Errors & Omissions Specialty Coverage Insurance?
Errors & Omissions insurance, also known as Professional Liability insurance, provides you protection against any errors or omissions your business has made.
If a business promises to deliver a “specialized knowledge” through its services, and is then alleged to have done something negligently, its customers could suffer a financial loss. This type of professional liability insurance provides protection if the policyholder is then found liable, making this coverage an important part of your commercial insurance portfolio.
Who needs E&O Insurance?
This type of liability insurance may fool you into thinking it’s only for professionals. However, many businesses or business owners that don’t fit into a “traditional” classification, (i.e.: accountants, lawyers or engineers) are still in need of coverage.
Errors & Omissions Insurance (E&O)
What is Errors & Omissions Specialty Coverage Insurance?
Errors & Omissions insurance, also known as Professional Liability insurance, provides you protection against any errors or omissions your business has made.
If a business promises to deliver a “specialized knowledge” through its services, and is then alleged to have done something negligently, its customers could suffer a financial loss. This type of professional liability insurance provides protection if the policyholder is then found liable, making this coverage an important part of your commercial insurance portfolio.
Who needs E&O Insurance?
This type of liability insurance may fool you into thinking it’s only for professionals. However, many businesses or business owners that don’t fit into a “traditional” classification, (i.e.: accountants, lawyers or engineers) are still in need of coverage.
Cyber Liability Insurance
What is Cyber Liability Specialty Coverage Insurance?
With more and more businesses conducting business digitally and online, the potential for risk becomes broader. Confidential information, such as client information, payment details, business secrets and more are at risk of being hacked or compromised. This type of specialty insurance is not typically covered under commercial general liability insurance policies, which is why it is essential to add to your general policy as an added layer of protection.
Who needs Cyber Liability Insurance?
Whether your business is big or small, you will face Internet-based risks, such as website information, credit card details, client information or social media liability. Cyber insurance is specialty insurance intended to protect your business, and individuals that may provide services for your business. No matter the size of your business, basic electronic information can be compromised if it falls into the wrong hands, which could result in large financial damages. Cyber insurance can provide your business security and protection.
Environmental Impairment Liability Insurance
What is Environmental Impairment Liability Specialty Coverage Insurance?
Also known as Pollution insurance, Environmental Impairment Liability insurance covers your business for any cleanup or legal defense costs in the event that you damage the environment of where you are working or that of a neighbouring property. This type of insurance doesn’t typically cover fines, but it may provide coverage for third-party costs and/or possible compensation for loss of business as a result of the damages.
Who needs EIL Insurance?
Builders or private contractors are examples of business owners who require Environmental Impairment Liability insurance.
Environmental Impairment Liability Insurance
What is Environmental Impairment Liability Insurance?
Also known as Pollution insurance, Environmental Impairment Liability insurance covers your business for any cleanup or legal defense costs in the event that you damage the environment of where you are working or that of a neighbouring property. This type of insurance doesn’t typically cover fines, but it may provide coverage for third-party costs and/or possible compensation for loss of business as a result of the damages.
Who needs EIL Insurance?
Builders or private contractors are examples of business owners who require Environmental Impairment Liability insurance.
Excess Liability Insurance
What is Excess Liability Insurance?
This type of insurance policy provides additional limits that exceed the existing underlying liability policy, meaning it does not add more to the policy, but rather, provides higher limits on top of it. This type of insurance is important because it could protect your business from claims that could bankrupt or close your company. It is used to cover unlikely events, but ones that could have devastating financial consequences.
Who needs Excess Liability Insurance?
We suggest that most, if not all, companies could benefit from Excess Liability insurance. Why? Because a lawsuit or unexpected event could surpass the limit and coverage you currently have.
Crime Insurance
What is Crime Insurance?
As its name suggests, Crime insurance protects your business in the event that a criminal act, such as theft, forgery, electronic crime or fraudulent activities, is committed against your organization resulting in financial loss. Such as theft, forgery, electronic crime or fraudulent activities.
Who needs Crime Insurance?
Also referred to as “Commercial Crime,” “Employee Infidelity” or “Employee Dishonesty,” any company can be vulnerable to these types of risks. Any company with employees handling confidential and/or financial information should purchase this type of insurance. Why? Because a criminal act committed by an employee or third party is not always covered by your Commercial General Liability insurance policy.
Crime Insurance
What is Crime Insurance?
As its name suggests, Crime insurance protects your business in the event that a criminal act is committed against your organization resulting in financial loss, such as theft, forgery, electronic crime or fraudulent activities.
Who needs Crime Insurance?
Also referred to as “Commercial Crime,” “Employee Infidelity” or “Employee Dishonesty,” any company can be vulnerable to these types of risks. Any company with employees handling confidential and/or financial information should purchase this type of insurance. Why? Because a criminal act committed by an employee or third-party is not always covered by your Commercial General Liability insurance policy.
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