Specialty Risks
Special risk insurance fills in potential coverage gaps that occur when businesses or individuals engage in less than ordinary pursuits or practices that are not covered by standard insurance policies, e.g. actions or business operations that expose them to risks such as political upheaval and terrorism, cyber liability, commercial crime, crop insurance, and aviation cover, to name a few.
EM Insurance Brokers remain abreast of current business trends and issues, which enables them to identify key risk areas within your industry and areas of operation and provide the right cover to protect you.
Cyber Protection
Cyber Protection covers your business’ liability for a data breach involving sensitive customer information, such as identity/ Social Service numbers, credit card numbers, account numbers, driver’s license numbers and health records, as well as in the event of a ransome being demanded for the return of data (ransomware), the destruction of data (malware) and Distributed Denial of Service or DDoS attack (a malicious attempt to disrupt the normal traffic of a targeted server, service or network by overwhelming the target or its surrounding infrastructure with a flood of Internet traffic.)
Commercial Crime (Fraud covers)
Covers dishonest, fraudulent or criminal acts of any employee which resulted in your business’s loss or an employee’s improper personal gain.
Crop Insurance
Covers agricultural producers, including farmers, ranchers, and others to protect against either the loss of their crops due to natural disasters, or the loss of revenue due to declines in the prices of agricultural commodities. Two major types of crop insurance are available: multiple peril crop insurance (MPCI) and crop-hail insurance.
Livestock Cover
Aviation Insurance
Covers the legal liability for the carriage of persons and luggage on board an aircraft. The insurance covers the personal liability of all persons involved in the operation of the aircraft, as well as coverage for injuries resulting from an aircraft accident. Aviation accident insurance covers injuries sustained by pilots as well as travelers, with the type of coverage typically accidental death and dismemberment (AD&D).
Travel Insurance
Covers the costs and losses associated with unexpected events incurred while traveling and protects you from certain financial risks and losses that can occur while traveling. It also covers access to assistance services, wherever you are in the world.
Contractors/ Construction
Defects Insurance
Credit Insurance
Domestic Trade Credit Insurance – Covers individuals to pay off any existing debts in the event of death, disability, or in some cases, unemployment International Trade.
Credit Insurance Bonds insurance – protects your business in the event of your buyer’s protracted default.
Reputational Cover – Relates to reputational harm to a company or brand resulting from activity on social media, and sensitive customer data that could be compromised.
Denial of Access/Loss of Attraction Cover – Covers adverse economic consequences to your business arising from events that are not related to physical damage of a business’s property, e.g. your business having to close, take extraordinary measures or relocate as a result of civil unrest such as demonstrations.
