Specialty Solutions

The risk of lawsuits can put the personal assets of an independent director or officer at risk. D&O policies for an organization often cover all board members, and the entity itself. Many independent directors and officers obtain extra coverage for their own personal protection. 

Coverage is available to protect the financial investment of an event, as well as heightened exposure to liability risk for special events held at a private residence or another venue. 

Ownership and land use for farm- and ranch-related activities bring its own set of insurance issues to consider. Our full-service farm and liability programs cover thoroughbred racehorses, pleasure horses, riding clubs, commercial equine liability, tack coverage, and more. 

ID theft coverage is available as an endorsement to most homeowners policies. The endorsement typically provides funds for the services and expenses related to restoring a compromised identity.

Depending on the location of a property, a home policy may or may not include coverage for natural disasters automatically or to the extent needed. Insurance for catastrophic causes of loss such as earthquake, flood, landslide, mudslide, and sinkhole are typically secured by a special endorsement or through separate policies. 

Pet parents should consider comprehensive pet insurance to protect pets from illness and injury. Some policies offer options with flexible co-payments, limits, and deductibles.

Our small business solutions program provides property, liability, auto, workers’ compensation, excess liability, errors and omissions, and professional insurance coverage for small-to-emerging business owners. 

Specialty vehicles such as RVs, motorcycles, personal watercraft, snowmobiles, ATVs, and golf carts require specialized coverage to properly protect owners from financial loss and significant liability exposures.