A builder’s risk policy is a property insurance policy that is designed to cover property exposures throughout the course of a construction project or multiple projects. Bridgepoint Risk has extensive experience with helping to mitigate risks and properly insure all aspects of construction and the architects, engineers and contractors who’s combined efforts deliver a completed project.
For business property coverage, a commercial property policy is an insurance policy for businesses and other organizations that insures against damage to their buildings and contents due to a covered cause of loss, such as a fire, wind, lightning, vandalism and many (but not all) types of water damage. Let Bridgepoint Risk help you properly insure your property exposures to fit your specific situation.
Commercial Auto coverages, such as a business auto policy (BAP), generally includes auto liability and auto physical damage coverages; other coverages are available by policy endorsement as needed to properly insure the vehicles utilized by your organization. This can be a difficult category to find cost-efficient coverages. Bridgepoint Risk has well-established relationships with a wide variety of insurance companies to assist in lining up coverages for trucks of all sizes and vehicle fleets of all kinds. We also have the ability to help create highly customized programs through the use of alternative risk platforms, such as captive insurance programs.
Cyber Liability insurance helps cover the costs associated with recovering from a cyberattack, which can result in data breaches impacting proprietary data, private information and financial details of a firm’s business operations and its customers, vendors and employees. Cybercrimes are an ongoing threat and range from the simple downloading of data from a company device to highly sophisticated intrusions of company networks. Maintaining robust, up-to-date security for all information technology activities is vital to preventing disruptive and costly cyber incidents, and properly insuring against cyberattacks is an important risk management strategy for businesses of all types and sizes.
Directors and officers (D&O) liability insurance is a type of liability insurance covering directors and officers for claims made against them while serving on a board of directors and/or as an officer. This may involve inside directors, who are members of a corporate board of directors and are also employees of the corporation, as well as outside director, who are members of a corporate board of directors who are not employees of the corporation or otherwise affiliated with it, as well as retired directors. For nonprofit organizations, nonprofit directors and officers liability insurance provides an errors and omissions (E&O) liability insurance covering the directors and officers of nonprofit organizations. Let the D&O specialists at Bridgepoint Risk help you recruit and retain the best available board members to help guide your organization by assisting you in finding and implementing appropriate D&O coverage.
Employment Practices Liability Insurance (EPLI) is a type of liability insurance covering issues that can arise from employee hiring, promotion, termination and a variety of other circumstances that can emerge from the employment process. The importance of EPLI insurance has increased year-after-year as the complexity of employer / employee interactions continue to evolve.
General liability (GL), also Commercial General Liability (CGL) is a type of insurance that protects commercial insureds from most liability exposures other than automobile and professional liability. This broad coverage is considered an essential cornerstone of an insurance program for nearly every business operation and personal activities. Bridgepoint Risk has significant experience and numerous insurance program options for implementing GL coverages that fit your needs and budget.
Personal lines insurance is purchased by an individual or families (as opposed to an organization) to protect against personal risks. Protecting you and your family is of unmatched importance. The interface of your business risks and your personal risks can be murky and not always obvious. Let Bridgepoint Risk navigate these complexities by helping you manage your personal insurance and coordinating that coverage with your business coverages.
Professional liability (PL) is a type of liability coverage designed to protect professionals such as attorneys, accountants, consultants and brokers against a range of liabilities incurred as a result in performing their professional services. If you are a professional whose expertise and actions play an important role in other people’s companies and lives, this is a key coverage that Bridgepoint can help you evaluate and obtain.
A surety bond is a contract under which one party guarantees the performance of certain obligations of a second party to a third party. These types of bonds are can be a one-time requirement or an ongoing need with many types of business relationships. Bridgepoint has bond specialists on staff that can help you complete this important step to keep your business operations moving forward smoothly.
Workers’ compensation (WC) is a state law regulated and prescribed system by which no-fault statutory benefits are provided by an employer to an employee and/or the employee's family due to a job-related injury or death resulting from an accident or occupational disease. A workers’ compensation and employers liability policy is an insurance policy that provides coverage for an employer's key exposures arising out of injuries sustained by employees. This category of insurance can be exceeding complex, with the complexity increasing when both employees and independent contractors are involved, as well as when multiple state insurance departments might be involved, a more common occurrence with the emergence of out-of-state or even out-of-country remote work-from-home employees and contractors.