More Coverages

Commercial Flood Insurance is a type of insurance that protects business properties from damage caused by flooding, which is not covered under most standard commercial property insurance policies.

If a flood damages your office, warehouse, store, or any commercial property, commercial flood insurance helps pay to repair the damage and replace lost contents — like furniture, inventory, and equipment.

• Physical damage to the building structure (walls, floors, electrical systems, etc.) 
• Damage to business contents (inventory, equipment, furniture) 
• Cleanup costs related to flooding 

• Loss of income/business interruption (unless added separately)
• Mold or mildew not caused by flood
• Property outside the building (fences, landscaping, signage)
• Sewer backup (unless directly caused by flooding) 

FEMA defines a flood as:

"A general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow."
 

So a burst pipe isn’t a “flood” for insurance purposes — that would be covered by standard property insurance.

• National Flood Insurance Program (NFIP) – backed by FEMA, with set rates and coverage limits.
• Private Insurance Companies – may offer higher limits or additional options like business interruption coverage.
   

If your business is in or near a flood zone, lenders may require you to carry flood insurance.

Workers' Compensation Insurance is a type of insurance that provides benefits to employees who get injured or sick because of their job.

If a worker gets hurt at work — like falling off a ladder or getting carpal tunnel from typing — workers' comp helps cover their medical bills, lost wages, and sometimes rehabilitation costs. In return, the employee generally can't sue the employer for the injury.

• Medical expenses (doctor visits, hospital stays, surgery)
• Lost wages while the employee can’t work
• Ongoing care or rehab (like physical therapy) 
• Disability benefits (temporary or permanent)
• Death benefits (paid to the family if the employee dies on the job)

• Injuries outside of work
• Self-inflicted injuries 
• Injuries from fighting or breaking company rules
• Injuries while intoxicated or using drugs

• The employer pays for the policy — not the employee.

• It's required by law in most states if you have employees.
• It protects both the business and the workers.

E&O (Errors and Omissions) Insurance protects professionals if a client claims you made a mistake, gave bad advice, or didn’t deliver services properly. 

If you're a professional (like a consultant, architect, real estate agent, or IT provider), and a client says you gave bad advice, made a mistake, or didn’t deliver what you promised — E&O insurance helps cover the legal costs and any damages you might have to pay. 

• Mistakes or oversights
• Missed deadlines
• Legal defense costs

• Intentional wrongdoing
• Physical injuries or property damage 

• Consultants 
• Accountants 
• Lawyers 
• Architects & Engineers
• Real estate agents
• Tech professionals (software developers, IT service providers) and more...
   

If your job involves giving advice, providing a service, or making decisions that affect clients, E&O Insurance is essential.