FAQs

D&O covers management and governance decisions. EPLI covers employment-related claims like wrongful termination and discrimination. Some programs combine them.

Usually not by default. We can review whether that layer is available and appropriate for you.

It generally follows the terms of your underlying policies and does not add new types of coverage, such as professional liability, unless specifically arranged.

For a business the drivers are different from a personal umbrella. Three things usually set the working range. What your contracts and leases require, since many name a specific ...

No. It sits above them and requires qualifying underlying coverage to be in place.

It is the date back to which your policy may respond. Keeping it intact when you renew or switch policies helps protect past work.

Not universally, but many professions, licensing bodies, and clients require it. We can review your situation with you.

A claims-made policy generally responds to claims made while the policy is active, provided the incident occurred after your retroactive date. Letting coverage lapse can create a gap. ...

Trucking often carries additional filing and coverage requirements. We can guide you through what applies.

General liability covers third-party bodily injury and property damage. E&O covers financial harm from your professional work. Most businesses that give advice need both.