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Business Insurance

According to the latest surveys by major insurers, small to medium sized businesses have a number of critical gaps in their insurance coverage.  The reasons for gaps vary; not fully             understanding how certain coverage applies to their business, buying insurance from a captive agent who can’t provide the coverage, thinking their commercial coverage provides the      coverage, and finally believing they don’t have the risk.

Business Insurance for Your Organization

Here are the coverage’s you should consider to make sure you are adequately protected.

Pollution Liability- Protects against the liability that comes with polluting the          environment including restoration and cleanup, liability for injuries and deaths caused by pollution.

Cyber Liability- Cyber liability is the risk posed by conducting business over the Internet, over other networks or using electronic storage technology.  It covers third party losses from hackers, theft, and loss of information including sensitive client or individual personal information.

Directors & Officers Liability- Covers costs, damages, and defense protection to directors and officers of a company resulting from law suits and judgments arising out of poor management decisions, employee dismissals, shareholder grievances, and other such acts committed in good faith.

Employment Liability- Employment Liability provides protection for an employer against claims made by employees, former employees, or potential employees.  It can cover      discrimination (age, sex, race, disability, etc.), wrongful termination of employment, sexual harassment, and other employment-related allegations.

Professional Liability- Insurance that is designed to cover third party claims, damages and claims arising out of providing professional advice.  Many firms create legal obligations arising out of a professional's errors, negligent acts, or omissions during the course of providing services to clients.

We are ready to help you better understand your risks.  Please call our office today. 

Alternatives Insurance® Agency was established in St Louis County in the fall of 1992 .  Throughout the remainder of 1990's and through the millennium, additional locations were opened in order to service North and West St Louis, Saint Charles and Jefferson Counties.  The demand for our products continued to increase motivating the partners of the organization to develop a business model in an effort to continue the growth and success without losing our superior customer service values.  

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