Buildings Coverage: Includes buildings and structures and any completed additions. Permanently installed fixtures, machinery and equipment are also included.

Provides business auto liability insurance for cars, trucks, trailers, vans or other vehicles designed for use on public roads.

EPL is protection for organization against claims made by employees alleging discrimination, wrongful termination, harassment, and other employment-related issues.

Professional Liability is intended for liability accusations and/or claims from a third-party due to your human services act, error or omission. 

A fidelity bond is a form of insurance protection that covers policyholders for losses that they incur as a result of fraudulent acts by specified individuals (embezzlement), along with meeting ERISA requirements.

Fiduciary Liability Insurance protects individuals (employees or board members) against legal liability for claims arising out of their roles in the capacity as a “Trustee” of an organizations retirement (or similar) plan.

Excess policy's coverage is triggered when the limits of the underlying insurance have been exhausted.  

General liability insurance is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations.

Coverage is provided for an alleged inappropriate decision of the board member(s) serving in the capacity as a director or officer of the organization where the insured organization is liable for damages. Coverage also pays for defense costs.

Coverage is provided for electronic data, computer programs, business interruption, extortion threats, security and privacy breaches (including credit protection services) and media liability for defamation, libel, slander, etc.

Coverage provided for sexual abuse/molestation claims.

IM is for property in transit over land, certain types of moveable property, instrumentalities of transportation (such as bridges, roads, and piers, instrumentalities of communication and legal liability exposures of bailees.)

Protection for organization for an error or omission in the administration of your employee benefit plan(s). (i.e. not advising employees of benefits, neglecting to add a new participant, etc.)

Minnesota state law has required all companies, large and small, (with limited exceptions) to carry workers' compensation insurance. Workers' compensation provides medical and wage replacement benefits to employees injured as a result of work-related tasks.