Marianne Policastro-Wik is a licensed insurance agent and a trusted insurance advisor who is focused on helping others, exhibiting the highest level of integrity and using a consultative approach to solving problems. Consulting with clients to thoroughly understand their needs and help them find the right insurance solutions at the right price is a cornerstone of how Marianne works. In addition to a long career as a senior leader in the insurance industry, she is also a licensed Realtor and has achieved the designation of Personal Lines Insurance Coverage Specialist. Her focus on helping others is also evident in her active support for non-profits in her community.&nbsp;

Commercial

Personal

Personal auto insurance is a policy that provides coverage for vehicles primarily used for personal or non-business purposes. It helps protect drivers and their vehicles from financial loss in an accident, theft, or other covered incident.

 Personal auto insurance policies typically cover several events, including collision damage, theft, and liability for bodily injury and property damage. The coverage options and limits may vary depending on the policy and the insurance company.

Personal Auto

Homeowners insurance is a type of insurance policy that provides financial protection to homeowners in case of damage to their property or personal belongings due to various perils such as theft, fire, and natural disasters. Homeowners insurance typically covers the cost of repairing or replacing damaged property and provides liability coverage if a third party gets into an injury on the homeowner's property. Most homeowners' insurance policies cover the physical structure of the home, as well as other structures on the property, such as garages or sheds. The policy may also cover personal property such as furniture, clothing, and electronics.

Homeowners 

Dwelling fire insurance covers damages to a dwelling, such as a single-family home, townhouse, or duplex, caused by specific perils listed in the policy. These perils typically include fire, lightning, wind, hail, and explosions.

 Landlords often purchase dwelling fire insurance, which can help protect their investment properties from damage caused by tenants, natural disasters, or other covered perils. It can also be purchased by homeowners needing help to afford a full homeowners insurance policy or who have difficulty obtaining coverage due to high-risk factors, such as living in an area prone to wildfires or flooding.

Dwelling Fire

Mobile Homeowners Insurance is a type of insurance policy that provides coverage for owners of mobile or manufactured homes. These homes are designed to be transported and are built in a factory before being transported to their final location.
 Mobile Homeowners Insurance can cover a range of risks, including damage to the home itself, damage to personal property inside the home, liability for injuries on the property, and more. A Mobile Homeowners Insurance policy specific coverage and limits can vary depending on the insurer and the homeowner needs.

Mobile Homeowners

Motorhome insurance is a type of insurance policy that provides coverage for motorhomes, also known as RVs (recreational vehicles). It covers living quarters and amenities for recreational or travel purposes. 
 Motorhome insurance typically covers damage to the vehicle, liability for bodily injury and property damage, as well as theft and vandalism. In addition, some policies may cover personal belongings, awnings, and other accessories.

Motorhome

Personal and premises liability insurance are two types of insurance that protect against financial losses that can result from accidents, injuries, or property damage.

 Personal liability insurance provides coverage if you are found legally responsible for injuring someone or damaging their property. This type of insurance can help cover the cost of legal fees, medical bills, and other expenses associated with the incident.

Personal and Premises Liability

RV insurance is a specialized insurance policy that covers various types of recreational vehicles, such as motorhomes, travel trailers, fifth-wheel trailers, pop-up campers, and truck campers. It typically includes liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
 The coverage limits and premiums may depend on several factors, including the type and value of the RV, the usage, and the driver's history.

Recreational Vehicles

Travel trailer insurance is a policy designed to cover travel trailers, also known as recreational vehicles (RVs), while on the road or parked at a campsite. 
 Travel trailer insurance typically covers a range of risks, including collisions, theft, vandalism, and weather-related damage. Some policies may also include coverage for personal property and liability protection in case someone is injured, or their property is damaged while on your campsite or around your trailer.
 When purchasing travel trailer insurance, it's important to consider factors such as the value of the trailer, its age, and the types of activities you plan to engage in while using it.

Travel Trailer

Vacant home insurance is a type of insurance policy that provides coverage for unoccupied or vacant homes for extended periods. These homes may be unoccupied because they are undergoing renovations or repairs, are up for sale or rent, or because the owners are away for an extended period.

 A standard homeowners insurance policy typically only covers a vacant home for 30 to 60 days. If the home is left unoccupied for an extended period, the risk of damage or loss increases, which can result in a higher likelihood of insurance claims.

Vacant Home

Yacht insurance is a type of insurance policy that provides coverage for boats and other watercraft typically used for pleasure or recreation. Yacht insurance policies protect yacht owners from financial losses in an accident, theft, or other covered event that could damage the vessel or cause injuries to the owner or passengers.
 Yacht insurance policies typically cover a wide range of risks, including damage to the yacht or its equipment, liability for injuries or damage caused to other boats or property, and coverage for personal property and equipment on board the yacht. Some policies may also provide coverage for emergency towing, salvage, and other types of assistance in the event of an accident or breakdown.

Yacht

Renters insurance, or HO4 insurance, is a policy designed to protect individuals renting a property. This type of insurance policy typically covers personal property, such as clothing, furniture, and electronics, as well as liability coverage for accidents that may occur on the property.
 Renters' insurance can protect against various potential risks, including theft, fire, water damage, and other unexpected events.

Renters

Condo insurance, also known as condominium insurance, is a type of insurance policy that protects owners of condominium units. Unlike homeowners' insurance, which typically covers the entire structure of a house, condo insurance typically covers only the owner's unit and its contents.

 Condo insurance policies generally include several types of coverage, such as personal property coverage, liability coverage, and loss of use coverage.

Condo

Motorcycle and ATV insurance policies cover motorcycles and all-terrain vehicles (ATVs). These policies are typically similar to standard auto insurance policies but cater to the specific needs of motorcycle and ATV riders.
 Motorcycle and ATV insurance policies usually cover liability, collision, and comprehensive coverage.

Motorcycle & ATV

Personal boat insurance, also known as boat owners insurance, is a type of insurance policy that provides coverage for boats and personal watercraft. It typically covers damage to the boat and liability for any injuries or damages caused by the boat to other people or property.
 Boat insurance policies can vary depending on the type of boat, its size, its value, and its usage. Some policies may include coverage for towing and salvage, emergency assistance, and personal property on board the boat.

Personal Boat

Accounts receivable insurance protects businesses against the risk of non-payment by customers who fail to pay their invoices. This type of insurance is useful for businesses that rely heavily on credit sales, as it provides a safety net in case a customer defaults on a payment.
 The insurance policy typically covers a percentage of the total outstanding debt, and the exact terms and conditions of the policy will depend on the specific insurance provider.

Account Receivable

Accountants Professional Insurance provides coverage for professionals in the accounting field against liabilities that may arise due to errors or omissions in their work.
 It protects accountants from claims made against them for errors or omissions in performing their duties, such as incorrect tax filings or financial statements. It can also cover legal fees, court costs, and settlements or judgments.

Accountants Professional

Agriculture Liability insurance protects farmers and ranchers against potential legal liabilities from their farming operations. It provides coverage for bodily injury, property damage, and other related liabilities arising from accidents and other incidents on the farm.
 Agriculture Liability insurance typically covers a wide range of activities related to farming, including crop production, livestock production, and other farming operations.

Agriculture Liability

Agricultural Output Program Insurance, also known as Crop Insurance, protects farmers and agricultural producers against losses caused by unexpected events, such as natural disasters or unfavorable market conditions.
 The Agricultural Output Program Insurance aims to provide financial support to farmers in case of crop failure or significant reduction in crop yield due to factors beyond their control, such as drought, flood, disease, insect infestation, or other natural disasters.

Agricultural Output Program

Commercial aviation insurance protects airlines, aircraft owners, and aviation businesses from financial losses related to aviation accidents and incidents. It is essential for the aviation industry because of the high risks involved in aviation operations.
 It covers a wide range of risks, including damage to aircraft, liability for injuries or property damage caused by an airplane, loss of cargo, and business interruption due to aircraft accidents or incidents. Some policies may also cover risks such as political unrest or acts of terrorism that could impact aviation operations.

Commercial Aviation

Agriculture Scheduled and Unscheduled Personal Property insurance protects farmers and ranchers against financial loss due to damage or loss of their personal property.
 Scheduled Personal Property coverage protects specific property items identified and scheduled in the insurance policy, such as tractors, combines, and other farm equipment. 
 Unscheduled Personal Property coverage, on the other hand, protects personal property for unlisted policy.

Agriculture Scheduled and Unscheduled Personal Property

Agriculture property insurance protects farmers and agricultural businesses against loss or damage to their crops, livestock, equipment, and other property. It protects farmers from financial losses due to natural disasters such as floods, fires, storms, and droughts, as well as other risks like theft and vandalism.

Agriculture Property

Aircraft insurance provides coverage for losses related to aircraft. Aircraft owners, operators, and pilots use aircraft insurance to protect against financial losses in an accident or other unforeseen circumstances.
 It covers a wide range of risks, including damage or loss to the aircraft itself, liability for damage or injury caused to others, and coverage for medical expenses and loss of income for the pilot and passengers in the event of an accident.

Aircraft

Airport and Fixed Base Operator (FBO) provides coverage for aviation-related risks.
 Airport insurance protects airports against property damage, liability claims, and business interruption losses. It can also cover aircraft operation risks, such as damage caused by aircraft on the runway or during landing or takeoff.

Airport & Fixed Base Operator

Agriculture Package Insurance protects farmers and their crops against natural disasters, pests and diseases, and other unforeseeable events that could lead to crop failure and financial losses.
 This insurance policy usually covers the farmer's crops, livestock, and farm machinery and can also include coverage for buildings and farm structures.

Agriculture Package

Aircraft Products Liability Insurance protects manufacturers, distributors, and sellers of aircraft and aircraft components against claims or lawsuits alleging that their products caused injury or damage. It is important because aircraft and their parts can be complex and expensive, and accidents or malfunctions can lead to significant injuries, property damage, or even fatalities.

Aircraft Products Liability

Architects Professional Insurance protects architects and their firms against professional negligence or malpractice claims.
 It can cover many risks that architects may face, including errors or omissions in design or construction, failure to meet contractual obligations, and claims related to project delays or cost overruns. It can also cover legal fees and other expenses associated with defending against a claim.

Architects Professional

The term artisan contractors, often known as casual contractors, refers to a wide range of jobs requiring expert tools on the client's property. Anyone who can perform a specific service that significantly enhances a home or business is typically considered an artisan in the contracting industry. These include tree surgeons, roofers, plumbers, electricians, and carpenters. Exterminators, piano tuners, and other professional service providers can use such a policy.

Artisans

Aviation Package Insurance is a type of insurance that provides coverage for various risks associated with owning or operating an aircraft. Aircraft owners or operators typically purchase it to protect themselves against financial losses due to damage to their aircraft, liability for accidents or injuries caused by their aircraft, and other related risks.

Aviation Package

Boiler and Machinery insurance, also known as Equipment Breakdown insurance, protects businesses from losses resulting from the breakdown of essential equipment, such as boilers, air conditioning systems, refrigeration systems, and other machinery.

Boiler and Machinery

Miscellaneous Bond Insurance, also known as surety bond insurance, protects individuals or organizations against losses that may arise due to a contractor, vendor, or other party failing to fulfill its contractual obligations.
 Construction projects, real estate transactions, and government contracts are some of the contexts that use this policy. They typically involve three parties: the principal, the obligee, and the surety.

Miscellaneous Bond

A Business Owners Policy (BOP) Liability Insurance is insurance coverage designed for small and medium-sized businesses. It protects against a wide range of liabilities a business owner may face, including bodily injury, property damage, personal injury, and advertising injury claims.
 The coverage includes general liability insurance, product liability insurance, professional liability insurance, employment practices liability insurance, and cyber liability insurance.

Business Owners Policy Liability

One of the coverages included in a BOP is property insurance, which protects a business's physical assets, such as buildings, equipment, and inventory.
 BOP property insurance covers many perils that may damage or destroy a business's property, including fire, theft, vandalism, and natural disasters like hurricanes or earthquakes. Depending on the policy, it may also cover business interruption losses, compensating the business for lost income if it has to shut down temporarily due to property damage.

Business Owners Policy Property

Business interruption insurance is a type of insurance that covers the financial losses that a business may suffer as a result of unexpected events such as natural disasters, fires, or other catastrophic events. It covers the loss of income a business may experience due to an interruption in operations.
 Business interruption insurance typically covers a range of expenses a business may incur due to an interruption in operations. It includes payroll, rent, utilities, and other fixed costs the business incurs regularly. The insurance may also cover expenses related to the temporary relocation of the business or the purchase of new equipment or supplies.

Business Interruption

Commercial fire insurance offers monetary security to companies in the case of a fire. Typically, the insurance policy covers any physical damage to the building and any equipment, stock, or other assets lost or harmed due to a fire.
 Commercial fire insurance policies cover damages resulting from fire, lightning, and other related risks, including smoke and water damage during firefighting operations. Some policies may also cover losses brought on by explosions, rioting, and civil unrest.

Commercial Fire

Farm Owner's insurance protects farmers and their farming operations from a range of risks. It covers property damage, liability claims, and loss of income due to a covered event.
 Farm owners' insurance policies typically cover a range of risks, including damage to buildings and structures, farm equipment, and livestock.

Farm Owners

Contract insurance covers losses or damages that might happen during the contract. The construction industry usually uses it when there is a high risk of damage or injury during building, such as in the construction industry.
 A variety of losses or damages, including property damage, personal harm, and other liabilities, might be covered by contract insurance. The terms of the policy and the needs of the parties to the contract will determine a contract insurance policy's specific coverage.

Contract

Commercial Output Program Insurance, or COPI, covers losses or damages to businesses relying heavily on electronic data processing systems.
 It protects businesses against losses caused by various risks, including computer viruses, hacking attacks, power outages, and other disruptions to their information technology systems.

Commercial Output Program

Commercial Multi-Peril Insurance (CMPI) protects businesses against multiple risks, including property damage, liability claims, and business interruption losses.
 CMPI policies offer a comprehensive coverage package, including property damage or liability.

Commercial Multi Peril

Cyber and privacy liability insurance is a type of insurance that helps protect businesses from financial losses associated with cyber-attacks and data breaches. This type of insurance typically covers a range of expenses, including legal fees, notification costs, credit monitoring services, and public relations efforts.
 Cyber and privacy liability insurance policies can also help cover losses associated with network downtime, data restoration, and other types of business interruption.

Cyber & Privacy Liability

Employers' Liability Insurance protects employers against financial losses that may arise from employee injuries or illnesses resulting from their work.
 The insurance covers compensation for employees who have suffered from work-related injuries or illnesses and legal expenses incurred by the employer in defense of any employee claims.

Employers Liability

Excess Management Liability Insurance (EMLI) is a type of insurance coverage that protects companies and their executives against losses resulting from lawsuits, regulatory actions, and other legal liabilities. It supplements primary management liability insurance policies, such as Directors and Officers (D&O) insurance, by providing additional coverage above the primary policy limits.
 EMLI policies typically cover a range of management liabilities, including employment practices liability, fiduciary liability, professional liability, and directors and officers liability.

Excess Management Liability

Employment Practices Liability Insurance (EPLI) provides coverage to businesses and organizations against claims made by employees or former employees related to employment practices.
 EPLI can cover a range of claims, including wrongful termination, discrimination, harassment, retaliation, breach of employment contract, and other related issues.

Employment Practices Liability

Equipment Breakdown insurance, also known as Boiler and Machinery insurance, covers the cost of repairs or replacement of essential equipment in case of a breakdown due to a sudden and accidental mechanical or electrical failure.

Equipment Breakdown

Excess liability insurance, also known as umbrella insurance, is a type of insurance policy that provides additional coverage above and beyond the limits of a primary liability insurance policy.
 The primary liability insurance policy covers damages and injuries up to a certain limit, but excess liability insurance can provide additional coverage if the damages exceed that limit.

Excess Liability

Fiduciary bond insurance, or a fiduciary liability bond, protects individuals or organizations that handle other people's assets or money, such as trustees, executors, guardians, and other fiduciaries.

Fiduciary Bond

Financial Institution Bonds insurance, also known as fidelity insurance or fidelity bonds, protects financial institutions, such as banks, credit unions, and brokerage firms, against losses caused by employee dishonesty or fraud.
 The coverage provided by a Financial Institution Bond policy typically includes protection against theft, embezzlement, forgery, and other criminal acts committed by employees or third-party vendors.

Financial Institution Bonds

Garage and dealers insurance protects businesses that operate in the automotive industry, such as auto repair shops, car dealerships, and towing companies.
 This type of insurance typically covers a range of risks associated with the business, such as liability for injuries or property damage that may occur on the business premises and damage to vehicles. At the same time, they are in the business's care, custody, control, and theft or damage to tools and equipment.

Garage and Dealers

Private hangar insurance protects owners who store their aircraft in a private hangar. It provides coverage for the structure of the hangar and any liability or damage caused by the aircraft itself.
 Private hangar insurance policies typically cover many risks, including damage from weather events such as storms and high winds, fire and explosion, theft, and vandalism. Many policies also cover liability claims arising from injuries or property damage caused by the aircraft while on the ground or in the air.

Private Hangar

Home-based business insurance provides coverage for small business owners who operate their businesses from their homes. While homeowners insurance may provide some coverage for business-related losses, it usually has limitations and exclusions that make it insufficient for home-based businesses.
 Home-based business insurance covers property damage, liability claims, and business interruption.

Home Based Business

Commercial Inland Marine Insurance is a type of insurance policy that provides coverage for property typically not covered under standard property insurance policies. It protects goods, equipment, and other property types in transit, stored, or used off-site.
 Businesses that frequently move equipment or goods from one location to another, such as contractors, builders, and freight forwarders, use Commercial Inland Marine Insurance. It can also cover property often in transit, such as fine art, jewelry, and computer equipment.

Commercial Inland Marine

Judicial insurance, also known as judicial liability insurance or judges' insurance, is a type of insurance policy that provides coverage to judges and other court officials in the event that they are held liable for damages or legal costs resulting from actions taken in the course of their official duties. Judicial insurance policies typically cover a range of expenses, such as legal defense costs, settlements or judgments, and court fees. The coverage limits and exclusions of judicial insurance policies may vary depending on the specific policy and the jurisdiction in which the judge works.

Judicial

Kidnap and Ransom Insurance (K&R insurance) covers individuals or companies in a kidnapping, extortion, or ransom situation. The insurance policy often covers the ransom payment and any other expenditures associated with the victim's safe return, such as legal fees and crisis management services.

Kidnap and Ransom

Lawyers professional insurance provides coverage for legal professionals, including attorneys, lawyers, and law firms. It helps protect legal professionals from financial losses that can arise from legal malpractice claims and other risks associated with their profession.

Lawyers Professional Liability

Legal expenses insurance covers the legal costs associated with various legal disputes. The policy covers legal expenses such as lawyer fees, court costs, and other expenses that may incur while resolving a legal dispute.

Legal Expenses

License and permit insurance provides coverage for businesses or individuals required to obtain a license or permit to operate in a specific industry or location. This insurance protects the policyholder from financial losses that may arise if they cannot obtain the necessary licenses or permits or if their licenses or permits are revoked or suspended.

License and Permit

Liquor liability insurance is a type of insurance coverage that protects businesses that serve, sell, or distribute alcohol from liability if a customer causes harm to themselves or others after consuming alcohol.
 Businesses such as bars, restaurants, liquor stores, and event venues that serve alcohol, such as weddings or parties, can use such insurance coverage. The coverage can protect the business from lawsuits, medical bills, and other costs associated with alcohol-related incidents.

Liquor Liability

Livestock mortality insurance covers livestock death due to accidents, illnesses, or other covered events. Farmers or ranchers who own livestock, such as cattle, sheep, goats, or pigs, purchase livestock mortality insurance to protect their investment and mitigate financial losses in unexpected death.

Livestock Mortality

Lost Instrument insurance covers musicians or professionals who rely on musical instruments or equipment as part of their work. This insurance policy protects against financial loss if the insured person's musical instrument is lost, stolen, or damaged.
 Lost Instrument insurance can cover various musical instruments, from guitars, pianos, drums, and violins to sound systems, amplifiers, and other related equipment.

Lost Instrument

Professional liability insurance, also known as errors and omissions (E&O) insurance, is a type of insurance coverage that protects professionals from claims made against them by clients or customers. Individuals or businesses providing professional services, such as doctors, lawyers, accountants, consultants, and other professionals, can usually purchase such insurance.

 Professional liability insurance aims to provide financial protection to professionals in case they are sued for negligence, errors or omissions, breach of contract, or other professional misconduct. It covers the cost of defending against such claims and any damages awarded to the claimant in the event of a lawsuit.

Professional Liability

Commercial trucking companies mostly use trucking insurance. It offers protection for moving trucks, drivers, and cargo.
 Trucking insurance coverage commonly includes liability, property damage, and cargo insurance. 
 Additional coverage options included in a trucking insurance policy include coverage for hired and non-owned vehicles, interchangeable trailers, and legal liability for motor truck cargo.

Trucking

Medical Professional Liability Insurance, also known as medical malpractice insurance, is a type of insurance that healthcare professionals purchase to protect themselves against claims of medical negligence or mistakes that cause harm to patients.
 It covers various healthcare providers, including physicians, nurses, dentists, therapists, and other healthcare professionals. It ensures the costs of defending against malpractice claims and any damages that may be awarded to the patient or their family.

Medical Professional Liability

A Business Owners' Policy (BOP) is a commercial insurance policy that provides comprehensive coverage for small and medium-sized businesses.
 BOPs typically include a combination of property insurance, liability insurance, and business interruption insurance. Property insurance protects against damage to the business's physical assets, such as buildings, equipment, and inventory. Liability insurance protects the business against claims of bodily injury or property damage caused by the business's operations, products, or services. Business interruption insurance covers lost income and other expenses resulting from a covered event that disrupts the business's operations.

Business Owners Policy (BOP)

Cargo insurance protects items or cargo from loss, damage, or theft while carried from one location to another.
 During transportation, items may be subject to several dangers, including theft, damage, or loss due to mishaps or natural catastrophes like storms or fires.

Cargo

Contingency insurance is a type of insurance policy that covers unexpected events that may disrupt a planned event or project. Event organizers, promoters, and producers use it to protect against financial losses due to cancellations, postponements, or other unexpected occurrences that may prevent the event from taking place.

Contingency

Commercial package insurance provides comprehensive business coverage, including property, liability, and business interruption insurance.
 The property insurance component of a commercial package insurance policy protects a business's physical assets, such as buildings, equipment, and inventory, from damage or loss due to events like fire, theft, or natural disasters.

Commercial Package

Commercial umbrella insurance provides additional coverage above and beyond the limits of a business's primary liability policies, such as general liability and commercial auto liability insurance. It helps protect businesses from catastrophic losses that could exceed their primary insurance coverage.
 Commercial umbrella insurance typically covers various liability risks, including bodily injury, property damage, product liability, and personal injury claims such as defamation or false arrest. The specific coverage and limits of a commercial umbrella policy will depend on the business's needs and the policy's terms.

Commercial Umbrella

Crime insurance, also known as fidelity insurance, protects businesses from losses due to criminal activities such as theft, fraud, embezzlement, and burglary. Burglary insurance is a specific type of crime insurance that covers losses due to theft or damage to property resulting from a break-in.
 Crime insurance typically covers internal and external criminal activities, which means it can cover losses caused by employees and losses caused by outsiders.

Crime (inudes Burglary)

Directors and Officers (D&O) insurance is a type of liability insurance that provides coverage for directors and officers of a company against claims made against them in their capacity as directors or officers. This insurance protects the personal assets of directors and officers policyholders when sued for wrongful acts committed while performing their duties.
 D&O insurance coverage includes breach of fiduciary duty, failure to comply with laws or regulations, mismanagement of company assets, and other wrongful acts. D&O insurance can also cover legal expenses the directors and officers incurred in defending themselves against such claims.

Directors and Officers (D&O)

Equine Liability Insurance is a type of insurance policy that covers horse-related activities such as riding, training, and boarding. It protects horse owners, trainers, riders, and businesses from legal liabilities arising from accidents, injuries, or property damage caused by horses.

Equine Liability

Fidelity Bond Insurance is a type of insurance that protects against losses caused by fraudulent or dishonest acts of employees. It is also known as employee dishonesty insurance.
 The policy typically covers losses such as theft, embezzlement, forgery, and other dishonest acts committed by employees. The coverage can extend to monetary and non-monetary losses, such as damage to property, loss of confidential information, and loss of intellectual property.

Fidelity Bond

Fiduciary liability insurance covers fiduciaries if the policyholder gets sued for errors or omissions related to their fiduciary duties. 
 Fiduciary Liability Insurance aims to protect the fiduciary from claims of mismanagement, breach of fiduciary duty, negligence, or other errors or omissions that may result in financial loss to the beneficiaries or clients. Fiduciary Liability Insurance can also cover legal defense costs, settlements, and judgments that the fiduciary may be required to pay in such cases.

Fiduciary Liability

General liability insurance is a type of insurance policy that protects a business or individual in case of a lawsuit or claim against them for bodily injury, property damage, or personal injury caused by their operations, products, or services.

 This insurance coverage can help pay for legal defense costs, settlements, and judgments up to the policy limit. It can also cover other expenses related to the claim, such as medical or property damage repairs.

General Liability

Motor carrier insurance protects businesses or individuals who own and operate vehicles for commercial purposes. It can include companies that transport goods or people, such as trucking companies, bus companies, and limousine services.
 The primary purpose of motor carrier insurance is to protect the owner/operator and their customers in the event of an accident or other covered incident. This insurance can cover a wide range of risks, including bodily injury or property damage caused by the insured's vehicle and damage to the car itself.

Motor Carrier

New Financial Guarantee Insurance protects against financial losses resulting from a borrower's failure to repay a loan or meet other financial obligations. 
 It protects various types of loans, including commercial real estate loans, project finance loans, and structured finance transactions.

New Financial Guarantee

Ocean marine insurance is a type of insurance that provides coverage for various types of risks that are associated with marine activities, such as transportation of goods, vessel operation, and cargo storage. 
 Ocean marine insurance can cover a range of risks, including damage to vessels or cargo, loss of cargo, piracy, and other types of risks that may occur during transportation.

Ocean Marine

Other Liability Insurance covers liability claims not covered by traditional general liability policies. It can also provide additional coverage for liability claims that exceed the limits of a general liability policy.

Other Liability

Truckers insurance, a motor carrier or trucking insurance, is commercial auto insurance designed for businesses operating trucks or other commercial vehicles. 
 Truckers insurance often covers liability, property damage, cargo, and other risks connected with operating commercial vehicles. 
 Truckers insurance may include additional types of coverage in addition to these fundamental ones, such as non-trucking liability insurance and bobtail insurance.

Truckers

Commercial auto insurance is a type of insurance policy that covers vehicles used for business purposes. It includes cars, trucks, vans, and other vehicles owned or leased by a business.

 Commercial auto insurance protects against various risks, such as accidents, theft, and vandalism. It can also cover liability claims for accidents involving the insured vehicle, such as property damage or bodily injury.

Commercial Auto

Commercial Property Insurance is a type of insurance policy that covers physical assets and properties owned by a business. It includes buildings, equipment, inventory, and other items essential to a business's operation.
 Commercial property insurance aims to protect a business from financial losses due to damage or destruction of their property caused by covered events such as fire, theft, vandalism, or natural disasters like floods, earthquakes, and hurricanes. The insurance policy can help the business to recover from such losses by providing financial support to repair or replace the damaged property.

Commercial Property

Errors and Omissions (E&O) insurance is a type of professional liability insurance that covers claims made against individuals and businesses for negligent acts, errors, or omissions in their professional services. This type of insurance is essential for professionals, such as lawyers, doctors, architects, engineers, and consultants, who provide advice or services to clients.
 E&O insurance can help protect professionals against claims of negligence, misrepresentation, or breach of professional duty that result in financial harm to a client.

Errors and  Omissions (E&O)

Livestock insurance covers livestock, including cows, horses, pigs, goats, and sheep, against loss due to death, injury, or disease. Livestock is a valuable asset for many farmers and ranchers, and livestock insurance can help protect their investments.
 It covers a range of risks, such as natural disasters, theft, and accidents.

Livestock

Media Professional Liability Insurance (MPLI) protects media professionals from financial damages resulting from lawsuits or legal actions. It covers many media professionals, including journalists, publishers, broadcasters, advertisers, public relations firms, and others who create or distribute content.
 MPLI policies can cover a range of claims, including defamation, invasion of privacy, plagiarism, copyright infringement, and errors or omissions in published content. MPLI policies may also cover the cost of legal defense, settlements, and judgments.

Media Professional Liability

Medical malpractice insurance is liability insurance that healthcare professionals, such as doctors, nurses, and other medical practitioners, can purchase to protect themselves against medical negligence claims. Medical malpractice occurs when a healthcare professional fails to provide a standard level of care, harming the patient.
 Medical malpractice insurance typically covers the cost of legal defense and damages in a malpractice lawsuit. The coverage needed can vary depending on the specialty, location, and other factors. Some healthcare professionals may be mandatory by law or employers to carry medical malpractice insurance.

Medical Malpractice

Management Liability Insurance is insurance coverage designed to protect businesses and their directors, officers, and key personnel from potential legal claims arising from their professional activities.
 The insurance policy covers directors and officers liability insurance (D&O), employment practices liability insurance (EPLI), and fiduciary liability Insurance.

Management Liabilty

Miscellaneous professional liability insurance shields insureds against lawsuits brought about by professional malpractice. These allegations may result in monetary losses, pricey legal action, and excessive jury awards. Professionals, companies, and consultants are now more exposed to potential risks and liabilities. This risk can be eliminated with a professional liability insurance policy, protecting your finances and reputation.

Miscellaneous Professional Liability

Physicians and Surgeons Insurance, also known as medical malpractice insurance, protects physicians and surgeons from lawsuits and legal claims arising from their professional medical services.
 It covers legal defense costs, settlements, and judgments in such cases.

Physicians and Surgeons

Product Liability Insurance is a type of insurance that protects businesses from financial losses arising from claims of damage or injury caused by their products. It covers the legal costs and damages associated with product liability lawsuits, which can be very expensive and damaging to a business if not covered by insurance.
 Product Liability Insurance is important for businesses that manufacture, distribute, or sell physical goods.

Product Liablity

Public Official insurance, also known as Public Officials Liability insurance, protects public officials and entities from claims of wrongful acts, errors or omissions in their official capacity.
 Government agencies, municipalities, school districts, and other public entities use it to protect their employees, elected officials, and volunteers from liability lawsuits.

Public Official

Railroad Protective Liability Insurance protects railroad companies and their assets. This insurance covers bodily injury and property damage claims that may arise from railroad operations.

Railroad Protective Liability

Small Commercial Package Insurance protects small businesses that combine several types of coverage into one comprehensive package. It is tailored to meet the specific needs of a particular small business.
 Small Commercial Package Insurance typically includes property, liability, and business interruption insurance.

Small Commercial Package

Small farm & ranch insurance protects small-scale farmers and ranchers from financial losses caused by unforeseen events such as natural disasters, accidents, and liability claims.
 Small farm & ranch insurance policies typically cover a range of risks, including property damage caused by natural disasters like wildfires or tornadoes, theft or vandalism of farm equipment, and liability claims from visitors or employees who gets into an injury on the property.

Small Farm & Ranch

Special Multi-Peril Insurance (SMPI) provides comprehensive coverage for multiple risks in a single policy. It typically includes coverage for perils such as fire, lightning, windstorm, hail, flood, earthquake, and other natural disasters.
 B businesses and homeowners use SMPI to protect themselves against unexpected losses from various risks.

Special Multi-Peril

Marine Workers' Compensation Insurance provides coverage to employees who work in the maritime industry, including offshore oil rigs, shipping vessels, and other watercraft. This insurance protects employees injured on the job and their families by providing financial compensation for medical expenses, lost wages, and other related expenses.

 Marine Workers' Compensation Insurance is legally mandatory for employers in the maritime industry. It can also protect against legal liability in an accident or injury. This type of insurance typically covers a range of workers, including seamen, dockers, dock workers, and others who work on or near the water.

Marine Workers Compensation

Wind policy insurance is a type of insurance that provides coverage for damages caused by windstorms, hurricanes, and other wind-related events. Homeowners and business owners in areas prone to these types of natural disasters are the typical markets for wind policy insurance.
 Wind policy insurance can cover a wide range of damages caused by wind, including damage to roofs, windows, and other parts of a building's exterior. It may also cover damage to personal property, such as furniture and electronics, as wind-related events cause that.

Wind Policy

Workers' compensation participating insurance is a type of insurance policy designed to provide benefits to injured or ill employees due to work. This type of insurance is typically purchased by employers to protect themselves from liability for workplace injuries and to provide financial assistance to employees who are injured on the job.

 This type of insurance can also provide employees with greater protection and better benefits, as the employer is interested in reducing workplace injuries and providing adequate compensation for those injured.

Workers Compensation Participating

Workplace violence insurance, also known as active shooter insurance or workplace active assailant insurance, provides coverage for losses and damages resulting from violent incidents that occur in the workplace.
 It covers various events, including shootings, bombings, stabbings, and other acts of violence. Coverage typically includes expenses related to property damage, business interruption, medical expenses for victims, and liability claims.

Workplace Violence

Commercial package insurance is a type of insurance policy designed to protect businesses from various risks associated with their operations. It typically combines several types of coverage, such as property, liability, and business interruption insurance, into a single package.

 You can customize commercial package insurance to meet the unique needs of a business. By bundling multiple types of coverage into a single policy, businesses can save money compared to purchasing each coverage separately.

Commercial Package Excess Liability

Workers' compensation insurance is a type of insurance that provides benefits to employees who are injured or become ill due to their work. It is a form of insurance that is mandatory in most states and designed to protect employees and employers.

 When an employee is injured or becomes ill on the job, workers' compensation insurance can help cover the costs associated with medical treatment, lost wages, and other expenses. The specific benefits provided by workers' compensation insurance can vary depending on the state and the severity of the injury or illness. However, they generally include coverage for medical expenses, disability benefits, and vocational rehabilitation.

Workers Compensation

Personal Inland Marine Insurance is a type of insurance coverage that protects personal property that is moved often or in transit. It is often referred to as a floater policy because it covers items such as artwork, antiques, and computers, under which a standard homeowners insurance policy does not typically cover.
 Personal Inland Marine Insurance protects valuable items often outside the home or business, such as jewelry, furs, cameras, musical instruments, and sporting equipment.

Marianne Policastro Wik

Insurance Associates Of Central CT LLC

Insurance agent in Connecticut

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