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Executive Risk

Reduce the Risks for your Executives and Your Business

Whether your business is public, private or non profit, if you have a board of directors, officers, trustees and/or pension plan fiduciaries, your business faces a unique set of risks.

With burgeoning corporate scandals and highly publicized bankruptcies, as well as shifting regulations, boardroom transparency is crucial and corporate governance practices are getting more attention. As laws and regulations change, your insurance policy needs to adapt in order to mitigate your risk of litigation. To recruit and maintain top talent in these sensitive positions, you also need up-to-date insurance policies that will mitigate their risk.

At Insurance, Inc., our agents can create a customized solution that measures your executive exposures and protects your company’s interests and assets. Our specialties include:

  • Professional Errors & Omissions
  • Crime
  • Directors & Officers
  • Employee Practices Liability
  • Fiduciary Liability
  • Cyber Risk
  • Kidnapping & Ransom


Professional Errors and Omissions Coverage

Professionals are exposed to liability claims on a daily basis just by doing business. Clients who believe they’ve been harmed by a professional service file suits every day. The cost to defend yourself and your business against such claims can be financially devastating if you are unprotected.

Crime Coverage

No business is safe from the threat of crime. Protect your business assets from Employee Theft, Forgery, Computer Fraud, and Theft of Goods on your Premises. Even businesses that have superb internal controls have found that they cannot anticipate and prevent all possible fraudulent activity.

Crime Coverage applies to Employee Dishonesty, Computer Fraud, Burglary or Robbery, Theft of Money and Securities, Forgery or Alteration, and Coverage for Cash (in the event of a fire).

Some policies include crime coverage as a throw-in limit. If your business needs crime or excess crime coverage, we can guide you in selecting the right insurance company and the right exposure for your unique needs.

Directors and Officers Coverage

The directors and officers of a business, whether public or private, can be held personally liable for the actions of management. Protect your business if directors and officers are found liable and protect the directors and officers personal assets. Coverage provides for defense cost, settlements, and judgments for allegations of mismanagement or breach of fiduciary duties.

Employee Practices Liability

The number of employment related claims filed are astounding. The cost of defending a suit against employment-related issues can be tremendous. Employee Practices Liability protects your business against employment-related issues such as discrimination, harassment, fail to hire or promote, or wrongful termination.

Fiduciary Liability

Do you provide a company-sponsored retirement or health plan for your employees? Are you involved in the management of the programs? If so, you can be personally liable for the actions under the plan. As a fiduciary, you need to protect your personal assets as well as the assets of your company. This insurance provides coverage for pension and welfare benefit plans, errors and omissions in administration of the plans, allegations of mismanagement and breach of duty.

Cyber Risk

Cyber Liability provides both first-party (your business) and third-party coverage. Companies that depend on the Internet for day-to-day operations face threats from hackers, viruses, and malicious damage. You have a fiduciary responsibility to protect against a security breach of your computer system. If your company has a website, it can be subject to allegations that you published copyrighted material. If your business sells software, and the software malfunctions, you can be held liable for the damages.

Kidnapping & Ransom

If your employees travel in the United States or overseas, they can become a victim of a kidnapping & ransom situation. Consider the consequences of one of your valued employees being held for ransom. This coverage provides the ransom monies and many other costs associated with the criminal act, such as support and guidance of a crisis response firm.

Baker, Jim
Casey, Bryan
Casey, Dod
Cohen, Neal
Cohn, Allan
Cook Kline, Stacia
Fox, Sue
Kibbe, Gene
Krell, Amir
Odekunle, Funlola
Orodeckis, Ed
Orodeckis, Eric
Orodeckis, Patrick
Quingert, Jack
Rosenberg, Henry
Rosenberg, Stephen
Rosenberg, Stewart H.
Schaftel, James
Stavrakas, Spyros
Summerfield, Alan
Summerfield, AAI, Jordan
Sutton(Kwiatowski), Tracy

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