Insurance that covers an organization for financial loss arising from different types of business-related crimes, such as employee dishonesty, theft of money, property or securities, robbery or safe burglary, and computer fraud.
Provides coverage for lost income and associated extra expenses due to the disruption of business operations from a covered insurance loss of a key business partner or supplier.
Insurance that covers direct physical loss to your property for damages caused by an earthquake or earth movement, which would otherwise be excluded from a property policy. Coverage is available to tenants and commercial property owners for building structures, business personal property, business income loss, damage from sprinkler leakage due to the quake, improvements upon rebuilding so the property meets ordinance and law requirements, and possibly other needs.
An Equipment Floater is a form of property insurance covering loss of, or damage to, equipment that is moved from one location to another. Equipment floaters may be written as individual policies or as an addition to a standard property policy.
Covers physical loss to your property due to flood that would otherwise be excluded from a property policy. Coverage may be written for your particular property type and location.
Owens Group is up to date on recent flood insurance reform — by FEMA, as well as private insurance policy providers. If you live in or near a flood zone, we can help you navigate the new policy landscape, and assure that your property is securely insured.
Leasehold Interest is a type of property insurance that covers one’s financial interest in a favorable lease that is terminated due to specified types of physical damage.
Provides coverage for lost income, and related expenses, due to the suspension of business operations from a specified cause of loss. In general, coverage will pay for income you would have made if your business hadn’t been damaged, ongoing expenses that need to be paid even though you aren’t operating, costs associated with the use of a temporary location and expenses incurred to keep your business open after a disaster, such as renting equipment to replace what was lost.
Ocean Marine policies are specialized forms of coverage that relate to the transportation of people or material goods across an ocean or high seas.
Transit insurance covers physical loss of, or damage to, property via a specified mode of transportation — most often truck, aircraft or ship.
