Whether you are protecting an office, factory, distribution center, retail showroom, storage space or a combination of more than one type of facility, insuring your physical assets can be the difference between sustainability and bankruptcy in the event of a property loss. Adding Business Interruption coverage will insure that you are compensated for loss of income while your property is being repaired or replaced.
When others enter your facility, you are at risk of a potential loss. General Liability coverage can protect you from the unforeseen accidents that even the most diligent safety minded companies can’t avoid.
Normal limits of Liability coverage are seldom enough to tackle modern day litigation relating to liability claims. Umbrella Liability coverage will take over where your primary coverage ends. In today’s litigious environment, it has become a necessity.
Making sure that you have a safe working environment is step one. Securing a quality Workers Compensation policy to cover you for work related accidents and illnesses is vital. And, it’s required by law.
Professional Liability (D&O / E&O)
As a professional, you are exposed to Errors and Omissions Liability. If you are a Director or an Officer of a company, you are also held liable for professional liability if a shareholder, customer, or other stakeholder files a claim. Professional Liability coverage is required by most licensed professionals and carried by many who are not.
In today’s environment, commercial Auto coverage has become a necessity. Coverage can differ depending upon if the autos are owned by the company, leased, or if employees are driving their own autos for company use. With new sophisticated technology and increased rates of distracted driving, commercial auto coverage can save your company substantially.
It only takes one employee to open one wrong email message to expose your company to a significant cyber loss. There are too many examples to cite to justify coverage for a cyber or data breach loss. No business should operate without coverage.
Realizing that all businesses differ to a certain extent, many other forms of coverage are available. We work with admitted and non-admitted specialty carriers to make sure that your coverage fits the needs of your company.
Nine Point Strategies
Nine Point Strategies provides risk management services for the cannabis and CBD industry – it is all we do. Our team of Insurance, HR and Safety professionals are dedicated to helping you develop a strong risk management portfolio to protect what you do – your business, product and employees.