CoreShield protection for businesses
Businesses
Businesses
Businesses face connected risks involving property, people, liability, technology, and day-to-day operations. CoreShield brings commercial insurance and employee benefits into a coordinated advisory conversation, helping owners and leadership teams prioritize exposures and evaluate protection that reflects their industry, organization, and plans for growth.
BUSINESS RESOURCE CENTER
Your business. A clearer plan.
Explore protection for your operations, people, and next stage of growth. Build a shortlist, then take the next step with CoreShield.
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- 01Explore your optionsStart with a need or browse by coverage.
- 02Build your shortlistReview the details that matter to you.
- 03Move forwardStart a quote request or talk with us.
START WITH WHAT MATTERS
What are you working on?
Select any that apply to see relevant options. You can explore the full directory at any time.
EXPLORE & UNDERSTAND
Make informed choices.
Business essentials
Business owner’s policy
Bring eligible property and liability coverages together in one business policy.
What to consider
- Who may want to explore it
- Businesses seeking a coordinated starting point for property and liability.
- Points to review
- Eligibility and included protections vary; workers’ compensation and professional liability generally need separate consideration.
- Useful to have ready
- Operations, locations, revenue, payroll, and existing policy details.
Cyber & technology
Cyber insurance
Explore protection and response services for data breaches and certain cyber incidents.
What to consider
- Who may want to explore it
- Organizations that hold information, accept payments, or rely on digital operations.
- Points to review
- Security requirements, ransomware terms, social engineering, and exclusions vary.
- Useful to have ready
- Security controls, data types, revenue, vendors, and incident history.
Property & operations
Commercial property
Consider how to protect buildings, inventory, equipment, and other business property.
What to consider
- Who may want to explore it
- Owners and tenants with physical assets at a business location.
- Points to review
- Flood, earthquake, valuation, and coinsurance provisions deserve a separate review.
- Useful to have ready
- Property values, construction, occupancy, locations, and loss history.
Liability & leadership
General liability
Explore protection for certain third-party injury, property damage, and advertising injury claims.
What to consider
- Who may want to explore it
- Businesses that interact with customers, visitors, or other organizations.
- Points to review
- Employee injuries, professional errors, and cyber incidents call for separate consideration.
- Useful to have ready
- Business activities, revenue, contracts, and prior claims.
People & vehicles
Workers’ compensation & occupational coverage
Review workplace injury coverage and related employer liability considerations.
What to consider
- Who may want to explore it
- Businesses with employees or specific occupational exposures.
- Points to review
- Requirements and eligible alternatives depend on state, workforce, and business activity.
- Useful to have ready
- Payroll by job, work locations, employee count, and loss history.
Liability & leadership
Professional liability
Consider claims alleging errors, omissions, or negligence in your professional services.
What to consider
- Who may want to explore it
- Businesses that provide advice, designs, expertise, or professional services.
- Points to review
- Retroactive dates, claims reporting, and the definition of professional services matter.
- Useful to have ready
- Services, professional licenses, contracts, revenue, and past claims.
Property & operations
Business income & interruption
Explore protection for income loss and certain expenses following a covered disruption.
What to consider
- Who may want to explore it
- Businesses whose income depends on a location, equipment, or key operations.
- Points to review
- Covered causes, waiting periods, time limits, and dependent properties vary.
- Useful to have ready
- Revenue, continuing expenses, key suppliers, and recovery expectations.
Property & operations
Equipment breakdown
Review coverage for certain sudden mechanical, electrical, or pressure equipment failures.
What to consider
- Who may want to explore it
- Operations that depend on machinery, refrigeration, or building systems.
- Points to review
- Wear, maintenance, and ordinary deterioration are different from an insured breakdown.
- Useful to have ready
- Equipment schedule, maintenance records, and estimated replacement costs.
People & vehicles
Commercial auto
Consider liability and physical damage protection for vehicles used in business.
What to consider
- Who may want to explore it
- Businesses that own, lease, or regularly use vehicles.
- Points to review
- Personal auto, hired vehicles, and employee-owned vehicles require distinct consideration.
- Useful to have ready
- Vehicles, drivers, operating radius, vehicle use, and driving history.
Liability & leadership
Commercial umbrella
Explore additional liability limits above specified underlying policies.
What to consider
- Who may want to explore it
- Businesses reviewing the financial impact of a major liability claim.
- Points to review
- Required underlying limits, exclusions, and attachment points need coordination.
- Useful to have ready
- Current liability policies, limits, contracts, and loss history.
Liability & leadership
Directors & officers liability
Review claims connected to decisions made by company directors and officers.
What to consider
- Who may want to explore it
- Organizations with leadership, investors, boards, or outside directors.
- Points to review
- Insured parties, entity coverage, exclusions, and reporting terms vary.
- Useful to have ready
- Ownership, financial statements, board structure, and claims history.
Liability & leadership
Employment practices liability
Consider coverage for certain employment-related allegations against your organization.
What to consider
- Who may want to explore it
- Employers reviewing hiring, termination, harassment, or discrimination exposures.
- Points to review
- Wage-and-hour treatment, defense costs, exclusions, and retention amounts vary.
- Useful to have ready
- Employee count, HR practices, turnover, and employment claims.
Property & operations
Business crime & fidelity
Explore protection for certain theft, dishonesty, and financial fraud losses.
What to consider
- Who may want to explore it
- Businesses that handle money, inventory, or payment instructions.
- Points to review
- Employee theft, computer fraud, and social engineering can have different conditions.
- Useful to have ready
- Financial controls, payment procedures, assets, and loss history.
Property & operations
Builder’s risk
Review property protection for an eligible construction or renovation project.
What to consider
- Who may want to explore it
- Owners, developers, and contractors with property under construction.
- Points to review
- Project term, completed work, testing, transit, and weather exposures need review.
- Useful to have ready
- Project value, plans, location, schedule, and contractor details.
Property & operations
Inland marine
Explore protection for tools, equipment, or other movable business property.
What to consider
- Who may want to explore it
- Businesses with property in transit, at jobsites, or away from a fixed location.
- Points to review
- The covered property, territorial limits, valuation, and transit terms vary.
- Useful to have ready
- Equipment schedules, values, storage, and transit details.
Liability & leadership
Product liability
Consider injury or damage allegations involving products you make, sell, or distribute.
What to consider
- Who may want to explore it
- Manufacturers, importers, retailers, and other product businesses.
- Points to review
- Recall costs and damage to your own product may require separate protection.
- Useful to have ready
- Product descriptions, sales, suppliers, territories, and quality controls.
Liability & leadership
Environmental & pollution liability
Explore certain pollution-related cleanup, injury, and property damage exposures.
What to consider
- Who may want to explore it
- Businesses with premises, operations, or projects that create environmental risk.
- Points to review
- Covered pollutants, sites, transportation, and historical conditions need specific review.
- Useful to have ready
- Operations, site history, materials, locations, and environmental reports.
Bonds & specialty
Surety bonds
Explore bonds connected to contracts, licenses, permits, and other obligations.
What to consider
- Who may want to explore it
- Businesses required to provide a bond to a customer or public authority.
- Points to review
- A surety bond guarantees an obligation; indemnity may be required from the principal.
- Useful to have ready
- Required bond wording, amount, deadline, financials, and contract details.
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BEYOND THE POLICY
Support throughout the life of your business
Explore a service or resource to learn more and start a conversation.
Annual Insurance Review
Revisit your coverage when your operations, assets, or plans change.
Insurance Program Design
Discuss how limits, terms, and policies work together.
Risk Control & Loss Prevention
Explore steps to reduce the likelihood or impact of losses.
Claims Advocacy
Learn about support during the claims process.
Business Continuity Planning
Consider how your business would respond to an interruption.
Data, Analytics & Benchmarking
Use information to frame a more informed insurance conversation.
Total Cost of Risk
Look beyond premium when evaluating the financial impact of risk.
Risk Management
Bring exposures, coverage, and practical controls into one discussion.
International Business Insurance
Explore insurance considerations for operations across borders.
Mergers, Acquisitions & Transactional Risk
Discuss insurance exposures surrounding a transaction.
Captive & Alternative Risk
Explore whether alternative risk arrangements deserve further evaluation.
YOUR INDUSTRY, YOUR CONTEXT
