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Businessmen in office hall All Seasons Insurance
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Cyber Liability,

Group Life,

Worker's Comp, 

D and O  E.P.L.I.   

E and O

Business  Insurance

We evaluate your particular needs and industry requirements, use our years of industry expertise to shop the best deals and customize a plan that's perfect for you and your business. 

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Cyber Liability

Hackers can't be seen, of course, but they can do incredible damage internally and publicly to your company, its data and your reputation. Cyber Liability Insurance mitigates loss from incidences such as data breaches and much more. Let's design a policy that protects you from this common threat.

 

We offer many insurance coverage options including business interruption, forensic specialist, data destruction or theft, denial of service attacks, defamation, fraud and privacy violation, hacking and extortion and more. 

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Errors and Omissions Insurance (PLI or PII)

Business insurance can be pretty comprehensive, but what happens if your customer or client suffers financial loss from something you or your employee forgot to disclaim or just made a simple mistake that resulted in a very real and expensive problem? Maybe your software didn't perform correctly or a product with a flaw caused your client to lose business. Those incidences are not covered in comprehensive business plans. That's why advice and service providers, including medical and legal, need errors and omissions insurance.

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E and O plans are designed with different coverage for different types of businesses. This customization helps all sorts of particular situations as does writing the insurance to have a retroactive date in case of circumstances that may have happened in the past. Legal fees and payouts, if any, should be covered no matter when an incident may have occurred.

 

Let's talk about the best plan for you, your profession and your peace of mind. 

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Directors and Officers Insurance

Directors and officers of companies owe shareholders and other beneficiaries a fiduciary duty to perform at the highest standards. To be able to do that wholly, they must be protected from unintended consequences of making decisions affecting so many.

 

We offer liability insurance payable to the executives of your company should a lawsuit be brought against them. This can include losses or advancement of defense costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers. The coverage includes civil and criminal, and regulatory investigations or trials. 

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Acts not covered are ones committed intentionally or are illegal, or both. 

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We can find the perfect solution for your company. 

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Group Life Insurance

Grouping individuals together allows insurance companies to give lower insurance rates to companies, based on your employee group (including in most instances, independent contractors) as a whole. It is tax deductible and is an employee perk. A benefit is that this cost is minimal because employees pay the premiums. You are able to offer this valuable coverage with no overhead cost to your business.  

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We offer term life for workers' families who may lose their loved one due to death, your employee, prematurely. Supplemental insurance allows employees to increase their coverage under your umbrella policy. And of course, we offer dependent insurance to family members of your employees as well as burial and other expenses upon death of the insured.

 

We can help you make the best choice for your business, your budget and your employees' well being. 

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Employment Practices Liability Insurance (EPLI)

Did you know that small businesses and those just starting out are extremely susceptible to employment claims? Sometimes missing or unclear policies are to blame as is a nonexistent legal department. 

 

If you have employees, you'll need coverage for any number of possible occurrences. The list includes invasion of privacy, sexual harassment, discrimination, wrongful termination or deprivation of career advancement and more.

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Let us help you sort through the many state and federal compliance requirements. There's a plan that's right for you and your business and we'll shop it for you to get you the best options and price.   

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Workman's Compensation

For anyone injured on the job, lost wages and medical treatment is of the utmost importance. Workman's Compensation is the solution and indeed is required by law. It of course ensures a safe workplace and a way to instantly mitigate an accidental occurrance. 

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Our Workers’ Compensation programs offer Broad Form endorsement, added to every policy we write, including six additional coverage features, sometimes at no additional cost to you.

 

We have billing options that help customers manage cash flow. Talk to us about what your coverage might look like. 

Our BUSINESS INSURANCE options include:

  • Commercial Building and Property

  • Commercial Auto 

  • Group Life Insurance

  • Contractors

  • Builder's Risk

  • Professional Liability

  • General Liability

  • Farm and Ranch

  • Hotel and Motel

  • Bars and Restaurants

  • Practices Liability

  • Church and Nonprofit

  • Umbrella Business Insurance

  • Workers' Compensation

  • Apartment Building Owners

  • Business Owners Policy (BOP)

  • Inland Marine

  • Errors and Omissions (E and O)

  • Directors and Officers

  • Marijuana Dispensary

  • Condo Associations

  • Cyber Liability

  • Self-Storage

  • Bonds

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