Property and casualty coverages are types of insurance that protect you from the various exposures that exist while running a business. There are several types of coverages available and Copic Financial will help find the best options to protect your specific needs. A great starting point is to schedule a complete, no-cost insurance summary review of all your business policies to be certain your personal assets are shielded from your business-related exposures and liabilities. An insurance review also helps to identify any gaps in coverage and can reassure you that your policies are the best for your situation.
These types of coverage are designed to protect your home or practice from natural disasters such as wildfires, floods, and severe weather. Policies that apply to your business cover employment liability issues such as harassment, discrimination, or alleged wrongful termination. And we also offer coverage for property loss and associated factors due to business interruption such as revenue loss, continuing expenses like rent and payroll, and accidents that might cause damage to another person's property.
This coverage is designed for business owners in one cost-effective package. It protects your business from fire, smoke, and water damage, while also providing funds for the associated business interruption during the remediation process. A BOP can insure property improvements, non-owned (employee) vehicles used for the business, and a business condo. Losses due to lawsuits, theft, slip, trips or falls—a BOP’s general liability component will encompass all the basics for quality protection.
This coverage is required by law to protect employees from work-related injuries and illnesses. Needle/bur stick protection is included and owners can also be covered as an option. Another component of workers’ compensation is employers liability, the possible liability of the employer for the employee’s injury or illness.
E&O is similar to malpractice, but typically does not cover bodily injury. If you provide a service to a third party and charge a fee for that service, E&O coverage is highly recommended and often contractually required by a client for expert witness, independent medical evaluations, and other services.
Protects your directors, officers, and other employees for claims brought by shareholders and third parties. D&O coverage transfers the indemnification requirements in your bylaws to an insurance company.
Your patient/customer data is valuable and others are trying to gain access to it. Cyber coverage gives protection for data breaches, ransomware attacks, social engineering schemes, and other data-related exposures you might have.
An umbrella policy can provide additional coverage limits for underlying coverages (typically general liability exposures) when those policy limits have been exhausted by legal and other costs. Umbrella policies could step in and become the primary policy on other losses that might be excluded under other policies.
This coverage protects your business from harassment, wrongful termination, discrimination, and other employment related claims. Coverage can extend to allegations brought by a third party for harassment or discrimination.
Bonds are intended to protect you in the event an obligee defaults on a contract. ERISA bonds are required by law and protect the fiduciaries of the employee savings plan from claims of plan mismanagement.
Comprehensive coverage designed for a small- to medium-sized business owner in one cost-effective package. From property improvements and vehicle use to loss due to lawsuits, theft, or accident, this coverage will encompass all the basics for quality protection.
Comprehensive coverage designed for a small- to medium-sized business owner in one cost-effective package. From property improvements and vehicle use to loss due to lawsuits, theft, or accident, this coverage will encompass all the basics for quality protection.
Comprehensive coverage designed for a small- to medium-sized business owner in one cost-effective package. From property improvements and vehicle use to loss due to lawsuits, theft, or accident, this coverage will encompass all the basics for quality protection.
Comprehensive coverage designed for a small- to medium-sized business owner in one cost-effective package. From property improvements and vehicle use to loss due to lawsuits, theft, or accident, this coverage will encompass all the basics for quality protection.
Comprehensive coverage designed for a small- to medium-sized business owner in one cost-effective package. From property improvements and vehicle use to loss due to lawsuits, theft, or accident, this coverage will encompass all the basics for quality protection.
Comprehensive coverage designed for a small- to medium-sized business owner in one cost-effective package. From property improvements and vehicle use to loss due to lawsuits, theft, or accident, this coverage will encompass all the basics for quality protection.
Comprehensive coverage designed for a small- to medium-sized business owner in one cost-effective package. From property improvements and vehicle use to loss due to lawsuits, theft, or accident, this coverage will encompass all the basics for quality protection.
Comprehensive coverage designed for a small- to medium-sized business owner in one cost-effective package. From property improvements and vehicle use to loss due to lawsuits, theft, or accident, this coverage will encompass all the basics for quality protection.
Comprehensive coverage designed for a small- to medium-sized business owner in one cost-effective package. From property improvements and vehicle use to loss due to lawsuits, theft, or accident, this coverage will encompass all the basics for quality protection.
Comprehensive coverage designed for a small- to medium-sized business owner in one cost-effective package. From property improvements and vehicle use to loss due to lawsuits, theft, or accident, this coverage will encompass all the basics for quality protection.
Mitch Laycock
Account Executive, Property & Casualty
Mitch works with clients to evaluate and develop insurance plans that best meet their professional and personal situations. He came to Copic Financial 12 years ago with more than 25 years of insurance experience as a wholesale broker, providing services to independent agents and their clients in areas such as Cyber Liability, Employment Practices Liability, and Property and Casualty.
Teresa Ariniello, CIC, CLCS, CISR, Commercial Lines Account Manager
Copic Financial Service Group is an insurance brokerage firm representing a variety of insurance carriers. Products offered by Copic Financial are not issued by Copic Insurance Company.
