Flood insurance for businesses in the Kentucky region.

At least 25 percent of businesses that close after destructive events such as floods never reopen. We’ll design a policy that will protect your business, as well as its physical contents and assets, from the damage costs that come from floodwater.
Specific coverage for a specific financial risk.

Fiduciary liability insurance covers a very specific risk–and a potentially financially devastating one. The risk is breaching fiduciary duties, and it comes from the Employee Retirement Security Act of 1974 (ERISA), which governs many employee benefit schemes.

Mitigates risk from breach of fiduciary duties.

Officers of a company who oversee such schemes have fiduciary duties. This means that they are ethically and legally bound to act in the best interests of the employees, and can be sued if they breach this duty (even unintentionally). A breach of this duty could be as simple as making an investment decision for the plan that doesn’t work out well.

Covers claims relating to Employee Retirement Security Act of 1974.

ERISA means a fiduciary could be held financially responsible for making good any losses from their alleged mistakes or failings, and when you’re talking about a workforce’s retirement benefits, that can make for eye-watering figures. Many general liability insurance policies don’t cover claims relating to ERISA, so a specialist fiduciary liability policy is the best way to mitigate this risk.

Typically covers the costs of defending claims.

Policies usually cover the costs of defending claims and paying out any liability. Additionally, fiduciary liability insurance often includes access to expert lawyers who specialize in ERISA cases.

Our experts can help you obtain a fiduciary liability insurance policy that’s for your business. So, reach out today!

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As an independent agency, we are here to help you find the right coverage.