Commercial General Liability (CGL)
The foundation of every business insurance plan. CGL protects your business if you are found legally liable for bodily injury or property damage caused to third parties.
- Slip-and-Fall Protection: Essential for any business with a physical location.
- Completed Operations: Coverage for damage or injury caused by your work after a project is finished.
- Legal Defense Costs: We cover the cost of your legal team, regardless of the outcome of a lawsuit.
Professional Liability (Errors & Omissions)
If your business provides advice, design, or professional services, CGL is not enough. You need Errors & Omissions (E&O) to protect against claims of negligence, mistakes, or failure to deliver a promised service.
- Consultants & Tech Firms: Protection against financial loss caused by your advice or software.
- Contractors: Protecting your professional reputation when a project doesn't go as planned.
Directors & Officers (D&O) Liability
Board members and executives can be held personally liable for the decisions they make on behalf of a company or non-profit. D&O insurance protects their personal assets from claims related to "wrongful acts."
- For-Profit & Non-Profit: Essential for local charities, condo boards, and corporations in Pictou County.
Cyber Liability & Data Protection
No business is too small for a cyberattack. We provide coverage for data breaches, ransomware payments, and the costs of notifying customers and restoring your digital infrastructure.