Plan Comparator

Protects against claims of bodily injury, property damage, and personal injury to third parties

Errors & Omissions coverage for professional services and advice

Protection against claims arising from products you manufacture, sell, or distribute

Additional liability coverage that kicks in when your other policy limits are exhausted

Coverage for businesses that sell, serve, or manufacture alcohol

Coverage for data breaches, cyber attacks, ransomware, and digital asset protection

Specialized coverage for tech companies covering software failures, SaaS outages, and IP disputes

Coverage for content creators, publishers, and advertising agencies against defamation and IP claims

Covers physical assets including buildings, equipment, inventory, and improvements

Covers lost income and operating expenses when business operations are disrupted

Bundled package combining General Liability + Property + Business Interruption at a discount

Covers mobile equipment, tools, and property in transit or at job sites

Covers buildings and structures under construction against damage and loss

Coverage for flood damage to buildings and contents, often required in flood zones

Coverage for earthquake damage to buildings, contents, and business income loss

Coverage for business-owned vehicles and fleet operations

Covers liability when employees use personal or rented vehicles for business purposes

Mandatory coverage for employee injuries and illnesses occurring at work

Covers claims by employees alleging discrimination, harassment, or wrongful termination

ACA-compliant major medical coverage for employees. Required for 50+ employee businesses (ALEs)

Preventive, basic, and major dental care coverage for employees and dependents

Eye exams, prescription lenses, contacts, and frames for employees

Basic life insurance and accidental death & dismemberment coverage for employees

Replaces a portion of income when employees can't work due to non-work illness or injury (up to 26 weeks)

Replaces income when employees are disabled for extended periods (after STD exhausted, up to retirement)

Supplemental coverage that pays cash benefits for accidental injuries, regardless of other insurance

Lump-sum cash payment upon diagnosis of covered critical illnesses like cancer, heart attack, or stroke

Pays fixed daily/weekly cash benefits during hospital stays to cover out-of-pocket costs

Health Savings Account and Flexible Spending Account programs for tax-advantaged medical expenses

Protects leadership from personal liability for decisions made on behalf of the company

Life and disability coverage for critical employees whose loss would impact business

Covers fiduciaries of employee benefit plans against claims of mismanagement (ERISA compliance)

Covers financial losses from employee theft, fraud, forgery, and computer crime

Guarantees performance of contractual obligations, often required for contractors and licensed professionals

Covers cleanup costs and liability from pollution events at your site or from your operations

Extends coverage for US businesses operating overseas — employees, assets, and operations abroad

Protects accounts receivable from customer non-payment due to insolvency or protracted default

Covers financial losses from event cancellation, postponement, or relocation due to covered causes

Protects goods in transit whether by land, sea, or air