Alliance Products

Architects & Engineers Liability Insurance (A&E)

Provides protection against design errors, omissions, or project delays that lead to client or third-party claims. Key coverage for licensed architects, engineers, and design-build professionals

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Accountants and Legal Malpractice Insurance

Covers professional liability for errors, omissions, or breaches of duty in legal or accounting services. Required protection for CPAs, attorneys, and fiduciaries.

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Business Owners Policy (BOP)

A bundled policy that includes general liability, commercial property, and business interruption coverage. It’s a cost-effective option for small to midsize businesses.

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Builders Risk Insurance

Provides coverage for buildings under construction, including materials and equipment. It’s typically purchased by contractors or property developers.

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Business Interruption Insurance

Replaces lost income and pays ongoing expenses if your business is forced to shut down temporarily. It’s often included in a BOP or commercial property policy.

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Cyber Liability Insurance

Protects against data breaches, cyberattacks, and the costs associated with notification, recovery, and lawsuits. A must-have for businesses storing customer data or operating online.

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Crime Insurance

Covers financial losses due to employee theft, fraud, embezzlement, or forgery. It helps protect against internal threats that can devastate small businesses.

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Commercial Auto Insurance

Covers vehicles owned or used by your business for liability, collision, and comprehensive losses. It’s crucial for businesses with fleets or employees who drive for work.

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Contractors Equipment Insurance

Insures owned or leased construction equipment from theft, damage, or vandalism on- and off-site. Important for builders, contractors, and infrastructure companies

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Directors & Officers (D&O) Insurance

Shields company leaders from personal financial loss due to decisions made in their corporate roles. It’s vital for attracting and retaining executives and board members

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Delay in Completion Insurance

Provides financial protection against project delays due to covered property losses, covering lost income, interest, and soft costs. Key for developers and project owners relying on strict timelines.

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Errors & Omissions (E&O) Insurance

Covers claims of negligence, mistakes, or failure to deliver promised services. It’s especially important for consultants, advisors, and other service-based professionals

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Employment Practices Liability Insurance (EPLI)

Covers claims arising from wrongful termination, harassment, discrimination, or other employment-related issues. Especially relevant as workplaces face increasing scrutiny over HR practices

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Environmental Liability Insurance

Protects against the high cost of pollution cleanup and legal liability. It’s key for industries like manufacturing, construction, and agriculture.

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Equipment Breakdown Insurance

Covers repair or replacement of essential equipment after a mechanical or electrical failure. It’s a smart add-on for manufacturing, food service, and tech-heavy businesses.

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Fiduciary Liability Insurance

Covers claims resulting from errors in managing employee benefit plans. This includes health insurance, retirement plans, and pensions.

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Flood Insurance

Protects commercial properties from water damage caused by flooding, which is typically excluded from standard property policies. Essential in FEMA-designated flood zones or near bodies of water.

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General Liability Insurance

This covers third-party bodily injury, property damage, and personal/advertising injury. It’s foundational coverage for most businesses to protect against lawsuits and accidents.

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Inland & Ocean Marine Insurance

Covers goods, tools, and equipment while in transit or stored off-site. Ideal for contractors, shipping companies, and mobile service providers.

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Installation Floater Insurance

Covers materials and equipment during transit, storage, and installation at a job site. Ideal for contractors, electricians, and HVAC installers handling valuable materials.

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Key Person Insurance

Provides a financial cushion if a vital team member dies or becomes disabled. It helps businesses recover or transition during a critical personnel loss.

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Media & Advertising Liability

Covers risks like copyright infringement, defamation, and misappropriation in advertising or published content. Essential for marketing firms, publishers, and media creators.

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Property Insurance

Protects your business’s physical assets—like buildings, furniture, and inventory—against fire, theft, and other hazards. Essential for brick-and-mortar operations and property owners.

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Product Liability Insurance

Protects manufacturers, distributors, and retailers from lawsuits arising out of defective or harmful products. It’s critical for any business involved in product creation or sale.

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Public D&O Insurance (D&O)

Shields directors and officers of publicly traded companies from personal loss due to regulatory actions, shareholder lawsuits, or governance decisions.

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Technology Errors & Omissions Insurance (Tech E&O)

Protects technology providers against claims of negligence, software failure, or service disruptions that cause client financial loss. Crucial for SaaS, IT consultants, and developers.

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Terrorism Insurance

Covers property damage, business interruption, and liability claims resulting from certified acts of terrorism. Critical for businesses in major metropolitan areas or high-profile buildings.

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Umbrella / Excess Liability Insurance

Provides extra liability coverage above the limits of underlying policies like general liability or auto. It acts as a financial safety net for catastrophic claims.

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Workers’ Compensation Insurance

Pays for medical expenses and lost wages if an employee is injured on the job. It’s legally required in most states and protects both employers and employees.

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Wildfire Insurance

Covers fire damage to property and equipment caused by wildfires, particularly in high-risk areas. Provides critical protection where traditional property insurance may exclude wildfire perils.

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Wrap-Up Insurance (OCIP/CCIP)

A consolidated insurance program covering all contractors and subcontractors on a project under one policy. Streamlines coverage for large construction projects or developments.

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Professional Liability Insurance

Protects your business against claims of financial loss from clients arising from errors, omissions, or negligence in the services you provide

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Accountant Professional Liability Insurance

Provides professional liability coverage for errors, omissions, or breaches of duty in accounting services in event of claims or financial loss to client.

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Sexual Abuse & Molestation Insurance (SAM)

Provides coverage designed to protect organizations against claims of abuse, misconduct, or improper conduct involving participants or third parties.

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Assault and Battery Insurance

provides coverage designed to protect businesses against claims arising from physical altercations, alleged acts of violence, or third-party incidents.

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Legal Malpractice Insurance

Protects attorneys and law firms when a client alleges that a lawyer’s mistake – or failure to act – caused them financial harm. It pays for defense costs, settlements, and judgments.

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Liquor Liability Insurance

Protects businesses- restaurants, bars, nightclubs against claims arising from the service or sale of alcohol, third-party injuries or damages.

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