Harbor Lights Risk Management

Coverage Goes Beyond Company-Owned Vehicles: Commercial auto insurance can often be tailored to cover owned, leased, rented, and even employee-driven vehicles used for business purposes. Every business has unique transportation risks that should be evaluated.

Recovery Costs Can Add Up Quickly: Flood damage can result in expensive repairs, temporary housing costs, and the replacement of personal belongings. Having flood insurance can provide valuable financial protection when the unexpected happens.

"Live in the sunshine, swim in the sea, drink the wild air."

Beyond financial protection, having Professional Liability coverage shows clients you take your responsibility seriously and operate professionally.

Bodily injury liability coverage (with Auto Insurance) pays damages for injury or death resulting from a covered accident for which you are at fault. May also provide you with funds for a legal defense.

Professional Liability Insurance (also called Errors & Omissions Insurance) covers claims that your services, advice, or professional work caused a client financial loss — even if you didn’t actually make a mistake.

Motorcycle insurance is a way of sharing the risks of riding between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.

Enjoy The Weekend! “Golf is a good walk spoiled.”

Does a BOP cover employee injuries? No. Employee injuries are typically covered by Workers' Compensation Insurance, not a BOP.

What is business interruption coverage? Business interruption insurance can help replace lost income and cover certain ongoing expenses if your business is temporarily unable to operate due to a covered loss.