Coverages: War and Terrorism
Active Assailant: This policy offers incident response and crisis management services, provides victim compensation and support and also covers legal liabilities, damage to property and any interruption to your business.
Terrorism and Sabotage: Standalone cover in the event of political, religious and ideological acts, including non-damage business interruption.
Coverages: Property and Casualty
Cover for the core property and general liability risks faced by small businesses like property damage, business downtime, bodily injury, employers’ liability and products liability. Manufacturers and Distributors: Fully blended policy for manufacturers emphasizing general liability and errors and omissions with separate towers of coverage.
Coverages: Commercial General Liability | Liquor Liability | Product Liability | Public Liability
Provides Single Event or Annual protection for individuals and/or organizations who serve alcohol to the public. Designed for full / part time employees and volunteers whose occupation includes serving alcohol. PAL’s Group Server policy is designed for service clubs or other organizations that are seeking Liquor Liability coverage on a single event or an Annual basis. EXCLUDING: NIGHTCLUBS, HOUSE PARTIES, PRIVATE PARTIES, FRAT PARTIES, COLLEGE/UNIVERSITY PARTIES.
Coverages: Product Recall
Product Recall: Comprehensive cover for a variety of industries and recall scenarios, ranging from product guarantees and contamination events to cyber product tamper.
Restaurant Contamination: Bespoke cover addressing contamination events in restaurants.
Coverages: Management Liability
Cover for a range of risks faced at board-level, including primary and excess directors and officers (D&O) cover.
Side a DIC (Difference in Conditions): Excess coverage for directors and officers of private and publicly-traded organizations.
Not for Profit: Blended policy combining D&O, professional indemnity, products and employers’ liability, property cover, business interruption and reputation protection.
Coverages: Commercial General Liability | Event Cancellation | General Liability | Liquor Liability | Public Liability
THIS POLICY IS FOR LIQUOR COVERAGE ONLY. Provides protection for lawsuits brought against individuals, organizations or companies who host single/multi-day functions. Designed for event hosts who are seeking to cover their liquor exposure only, or for organizations who are already covered by a CGL policy which excludes any liability arising from the sale, service, or consumption of alcohol.
Coverages: Commercial General Liability | Public Liability
Provides annual coverage for event planners. Designed for small to medium sized businesses that typically plan 1 to 100 events per year with a gross revenue between $10,000 and $500,000. Typical events planned could include weddings, conferences, small concerts, corporate launches, exhibitions and more. Commercial General Liability with limits from $1,000,000 to $5,000,000 with a deductible of $1,000. Coverage is offered for event planning operation only.
Coverages: Cyber
Comprehensive cover for cybercrime, privacy liability & breach notification, system damage & system business interruption and access to an expert, in-house cyber claims and incident response team. Cyber insurance can help protect your business against a range of cyber threats and exposures, including cybercrime, data breaches and system interruption. Private Enterprise, Large Corporate and Cyber Excess available.
Coverages: Commercial General Liability | Contents
Our Small-Medium Enterprise product meets the needs of new, growing, and established businesses in retail, amusement, and hospitality. We also offer coverage for e-commerce with no cap on U.S. or global sales. With over 20 years of commercial insurance experience across many industries, our expert team is ready to help you find the right solutions for your clients.
Coverages: Directors and Officers Liability | Employment Practices Liability
Directors and Officers Liability gives directors and officers the peace of mind that their personal financial assets are protected in case of legal action against their decisions. Securities actions against the company can also be covered under these policies. This coverage is important for any corporation – whether it be publicly traded, privately owned or not-for-profit – and is often required to attract directors and officers.