Products and Solutions

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Business insurance is essential as it provides financial protection and risk mitigation for various aspects of your business. It covers unforeseen circumstances that could otherwise lead to significant financial loss or even bankruptcy. This type of insurance typically includes coverage for property damage, liability claims, business interruptions, worker injuries, and lawsuits, ensuring that your business can continue to operate smoothly even during challenging times. Moreover, it offers peace of mind, allowing you to focus on strategic business decisions without the worry of potential financial risks. We also offer additional coverage options such as:

• Inland marine insurance coverage for business property and equipment that are frequently in transit or are not covered under standard commercial property insurance. 
• Commercial auto insurance coverage for vehicles used for business purposes, protecting against accidents, damages, and liability claims. 
• Equipment breakdown coverage against financial losses resulting from the sudden breakdown of essential business equipment. 

Cyber insurance is an indispensable asset for businesses, providing critical protection against the increasing risks and potential financial losses associated with cyber-attacks and data breaches. It covers various aspects, including the costs of data recovery, legal expenses, and potential regulatory fines that may arise from a cyber incident. This insurance not only helps businesses mitigate the financial impacts of data breaches but also facilitates a proactive approach to managing cyber risks. By having cyber insurance, businesses can effectively safeguard their financial stability and reputation, ensuring that they are well-prepared to handle the complexities of the modern digital landscape and the potential financial risks associated with cyber threats. We also offer additional coverage options such as:

• Business interruption coverage for financial losses resulting from business disruptions caused by cyber incidents. 
• Data restoration coverage for expenses related to restoring and recovering lost or corrupted data after a cyber incident. 
• Regulatory fines and penalties protection against financial penalties resulting from non-compliance with data protection regulations and privacy laws. 

Your home is one of the biggest investments you'll ever make. Protect it with a customized home insurance policy from United Choice Insurance Agency. We provide various policies including landlord policies, renter policies, valuable articles/floater policies, and umbrella polices. Our policies cover the structure of your home, personal possessions, living expenses in case of a disaster, and liability. We also offer additional coverage options such as:

• Additional living expenses coverage for the costs of temporary relocation and living expenses if your home is temporarily uninhabitable due to covered damages. 
• Building ordinance or law coverage for the additional costs of rebuilding your home to comply with current building codes and ordinances if it is damaged and needs to be rebuilt. 
• Water backup coverage against damages caused by water backup from sewers or drains, which may not be covered under standard home insurance policies. 

Workers' compensation insurance is crucial for any business as it provides vital protection for both employers and employees in the event of work-related injuries or illnesses. It covers medical expenses, rehabilitation costs, and a portion of lost wages for employees who are injured or become ill due to their job. Additionally, it helps shield businesses from potential lawsuits and legal expenses that may arise from workplace-related accidents or injuries. By offering this coverage, businesses can ensure the well-being of their employees while safeguarding themselves against the financial burdens that may arise from workplace incidents. We also offer additional coverage options such as:

• Death benefits financial support provided to the dependents of an employee who dies as a result of a work-related injury or illness, including funeral expenses and ongoing financial assistance. 
• Lump-sum settlements coverage for one-time lump-sum settlements provided to employees in lieu of ongoing workers' compensation benefits, facilitating a quicker resolution for both parties involved. 
• Supplemental income benefits additional financial support provided to employees who suffer a permanent disability as a result of a workplace injury or illness. 

Professional liability insurance is essential for businesses as it provides crucial protection against claims of negligence or inadequate work performance. It covers legal defense costs, settlements, and judgments that may arise from claims related to professional errors, mistakes, or oversights. This type of insurance is particularly important for businesses that provide professional services, such as consulting, legal advice, or medical care. It not only safeguards the financial stability of the business but also helps maintain its reputation and credibility in the industry. By having professional liability insurance, businesses can ensure that they are protected from the potential financial and reputational risks associated with professional errors or omissions. We also offer additional coverage options such as:

• Prior acts coverage protection for claims arising from incidents that occurred before the policy's effective date, ensuring that the business is covered for potential liabilities related to past services rendered. 
• Extended reporting period option to extend the reporting period for claims beyond the policy's expiration date, providing continued protection for claims that may arise after the policy has ended but are related to services provided during the policy period. 
• Contractual liability coverage protection for liabilities assumed under a contract or agreement with a client, ensuring that the business is covered for any potential breach of contract claims. 

Flood insurance is vital for businesses as it offers essential protection against the devastating financial consequences of flood-related damages. It covers losses resulting from water damage to the building structure, its contents, and any inventory or equipment housed within the premises. This insurance not only helps businesses recover quickly from the financial setbacks caused by floods but also provides reassurance and stability during challenging times. By having flood insurance, businesses can ensure that they are adequately prepared to handle the potential financial burdens and property damage that may occur as a result of flooding, thereby minimizing disruptions and facilitating a smoother recovery process. We also offer additional coverage options such as:

• Replacement cost coverage option to receive compensation for the full replacement value of the damaged property without depreciation, ensuring that the business can recover and rebuild without bearing the full financial burden. 
• Additional living expenses coverage for the costs of temporary relocation and living expenses if the business is temporarily unable to operate due to flood-related damages. 
• Emergency response coverage for the costs of emergency services and temporary repairs required to mitigate the immediate damages caused by a flood.