Propiedad Comercial

Your business is constantly exposed to the risk of lawsuits; a comprehensive insurance program can help you anticipate all possibilities. A civil liability policy may cover not only the legal compensation that a court order may impose on you, but also legal representation expenses, which may be very costly in a civil lawsuit. There are several areas you should take into consideration and we can help.

Tailored insurance

General Liability

Covers risks related to civil actions brought by your customers, depending on your commercial structure and activity.

Professional Liability/Errors and Omissions

If you are in the service business, this policy protects you against civil lawsuits due to negligent professional services, whether by error or omission. This coverage is a necessary complement to the general civil liability policy.

Directors and Officers’ Liability

This policy protects your directors and officers, in their personal capacity, against the risk of third party lawsuits for alleged wrongful acts. Typical risks that could significantly limit your operation include acquisitions, breach of contract or a management decision. If your company participates in the Board of Directors of a non-profit institution, this policy can also help.

Employers’ Liability

As an employer, you are exposed to legal claims from your employees and former employees. This product gives you peace of mind and allows you to focus on growing your business. Some of the most common risks that may generate claims are:

• Sexual harassment
• Wrongful termination
• Discrimination

Trust Liability

Your business is exposed to legal claims from your retirement plan’s participants, its beneficiaries and even the Internal Revenue Service (IRS) or the Department of Labor for alleged mismanagement of the plan’s funds. We can help you cover this risk and give you peace of mind.