Insurance types

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Across
  1. 6. Liability (Dram), coverage for bodily injury or property damage caused by an intoxicated person who was served liquor by the business owner.
  2. 8. Liability/Errors & Omissions, Coverage for professional services in the event of an error (does something wrong) or omission (does not do something they're supposed to) that leads to financial loss (as opposed to bodily injury or property damage)
  3. 9. Liability, protects businesses from Internet-based risks and risks relating to information technology infrastructure, information privacy, information governance liability, etc. Keywords: Malware, Data Breaches, Cyber Security, Operational Risk, Service Risk, Cyber Attacks
  4. 10. Risk, Specialty type of Property Insurance that protects a person's or organization's insurable interest in materials, fixtures and/or equipment awaiting installation during the construction or renovation of a building or structure, should those items sustain physical loss or damage from a covered loss.
  5. 13. Auto, Covers the cost of an auto accident if the business owner or an employee is at fault.
  6. 14. Marine, Specialty type of Property Insurance that protects moveable equipment away from the business owner's premises.
  7. 15. Insurance, Coverage for a flying vehicle Business Owners Policy, Combination of General Liability and Property
  8. 18. Liability, Umbrella insurance refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies.
  9. 20. Covers the business owner's building and contents in case of a covered loss such as water/fire damage or theft.
  10. 23. provides coverage against all risks of physical loss or damage to freight during the shipment from any external cause during shipping.
  11. 24. Insurance, Coverage for a boat
  12. 25. Risk, Lessor's Risk Only (LRO) Insurance, also known as the Landlord's Insurance, is a specific type of property and liability coverage designed for building owners.
  13. 26. Insurance, livestock owned by the business.
Down
  1. 1. Personal Property, Business Personal Property covers everything inside of a building. If you were to open the door and shake everything out, everything that came out would be covered under Business Personal Property.
  2. 2. Interruption Insurance, replaces income lost in the event that business is halted for some reason, such as a fire or a natural disaster.
  3. 3. pays to repair or replace a vehicle you don't own if it is damaged by a collision, fire, theft, explosion, or vandalism while you are towing or hauling.
  4. 4. Insurance, protects a property owner against damage caused by fires, severe storms, hail/sleet, or other natural events (hazards).
  5. 5. Liability / Unladen Liability, provides coverage for truck drivers when they are operating their trucks in a non-trucking capacity BOB Tail- covers your return trip after delivering the freight trailer to its destination. Without the trailer attached,
  6. 7. Liability, Protects the business owner from any claims for bodily injury property damage and personal/advertising injuries. Also covers products and completed operations (means that the work done is still covered even after the job has been completed).
  7. 11. Practices Liability, often referred to as EPLI or EPL, covers businesses against claims by workers that their legal rights as employees of the company have been violated (i.e. Claims of Sexual harassment, Discrimination, Wrongful termination.)
  8. 12. Liability, manufactures/sells/relabels a product that has a defect and that defect causes injury or property damage, your business could be held liable. This insurance type covers the risk of defects, in case your product is faulty.
  9. 16. Insurance, Insurance for crops grown by an agricultural business. If the customer is looking for coverage while the crops are being transported, please use Commercial Auto (Cargo) and use the correct trucking category.
  10. 17. Liability, Media liability is a type of Professional Liability. It covers the Personal/Advertising injuries (e.g. libel, slander, and copyright infringement) just like a normal Commercial General Liability policy would except typically the General Liability's policy coverage for Personal/Advertising injuries would exclude these types of injuries for businesses primarily engaged in advertising, publishing, broadcasting, or similar activities. Media liability exists to fill in those gaps. It's extra coverage for these types of businesses.
  11. 19. , type of professional liability insurance intended to cover medical practitioners, lawyers, or public officials.
  12. 21. Keepers Liability, auto dealers/repair shops. This will cover vehicles (not belonging to the business owner) in case of damage from unforeseen circumstances (like a natural disaster).
  13. 22. and Officers Liability, protects the personal assets of company directors and officers in the event they were sued while acting in their capacity as a director or officer. Most commonly requested by non-profit companies.