Insurance coverage can be complex. Our comprehensive guides explain what each coverage type protects, who needs it, how it works, and how Neil Jesani Risk Management can help you structure the right program.
D&O insurance protects corporate directors and officers from personal liability arising from management decisions.
EPLI covers claims by employees alleging discrimination, harassment, wrongful termination, and other employment-related issues.
Cyber liability insurance covers costs arising from data breaches, ransomware attacks, and other cyber incidents.
Professional liability insurance covers claims arising from errors, omissions, or negligence in professional services.
Commercial property insurance covers buildings, equipment, inventory, and business personal property against physical loss or damage.
General liability insurance covers third-party bodily injury, property damage, and personal/advertising injury claims.
Workers' compensation provides medical benefits and wage replacement for employees injured on the job.
Commercial auto insurance covers vehicles used for business purposes, including owned, hired, and non-owned autos.
Umbrella and excess liability policies provide additional limits above primary general liability, auto, and employers' liability.
Business interruption insurance covers lost income and extra expenses when a business is unable to operate due to a covered property loss.
Key person life insurance provides financial protection when a business loses a critical executive, founder, or revenue-producing employee.
Life insurance funded buy-sell agreements ensure business continuity when an owner dies, becomes disabled, or exits the business.
Fiduciary liability insurance covers claims against plan fiduciaries for alleged mismanagement of employee benefit plans.
Crime insurance covers financial losses from employee dishonesty, forgery, theft, robbery, and computer fraud.
Builder's risk insurance covers buildings and structures under construction against physical damage during the construction period.
Product liability insurance covers claims arising from products that cause bodily injury or property damage to consumers.
Marine and cargo insurance covers goods and merchandise in transit by ocean, air, rail, or truck against physical loss or damage.
Event cancellation insurance reimburses lost revenue and expenses when events are cancelled, postponed, or disrupted due to covered causes.
K&R insurance covers ransom payments, crisis response costs, and related expenses for kidnapping, extortion, and wrongful detention events.
Fine art and collections insurance provides all-risk coverage for artwork, wine, jewelry, antiques, and other valuable collections.