What is it?
Commercial General Liability Insurance (CGL) protects your business from third-party claims of bodily injury, property damage, and reputational harm caused by your professional activities or company operations. 

Why do we recommend it?
Whether it’s a client, a vendor, or supplier, any business that comes into contact with a third-party needs Commercial General Liability Insurance, especially if you or your employees:

• Own, rent, or lease a commercial space that’s open to the public;
• Have a home-based business where clients visit you;
• Visit your client’s workspace or home, or conduct business anywhere else offsite; and 
• Advertise or create marketing materials for your business.

Policy features include:

• Coverage for third party injuries and property damage;
• Standard coverage for Tenant’s Legal Liability, Employer’s Liability, Voluntary Compensation and Non-Owned Automobile Coverage.

What is it?
Property Contents Insurance protects your commercial property from damage or loss and will cover the costs of repairs or replacement for contents, equipment, and furnishings.

Why do we recommend it?
Property Insurance is critical if you have your own business, regardless of the location. Whether you work from home or out of a commercial office, your general liability or homeowner’s policies won’t reimburse you for any damage to your business assets following a break-in, fire, or other disaster.

What is it?
Data Security & Privacy Breach Insurance protects your business and offsets your losses in the event of a breach, such as when your company’s information is stolen or exposed by a hacker, or accidentally released by an employee.

Our valuable policy features include:

• Legal coaching on how to handle the breach;
• Legal fees in the case of a civil suit;
• Funds for court-awarded damages;
• PR services for managing reputational impact;
• Our Data Security and Privacy Breach Insurance INCLUDES coverage against Social Engineering attacks. Most cyber policies do not provide this coverage. Social engineering is a broad term that describes any technique designed to trick people into giving fraudsters what they want. As an example, “phishing” is a form of social engineering where an “attacker” typically uses email to convince recipients to give up personal, proprietary, banking or credit card information.
• Provisions for credit monitoring and client notification fees.

Why do we recommend it?

All businesses run the risk of experiencing a cyber/privacy breach at least once in their lifetime. It’s an arms race against fraudsters who are becoming increasingly more sophisticated with their techniques. As a Management Consultant, you are a steward of private information. Your clients may have even asked you to sign a non-disclosure agreement before engaging in any type of contract.

If you service high-profile clients, you might even be more attractive to some cybercriminals for your third-party connections. But make no mistake, smaller businesses and start-ups with a lower budget for security provisions are just as susceptible to attack.

Plus, as a Management Consultant, a cyberattack doesn’t just mean losing your client’s personal information; it also means losing your professional portfolio. Contact lists, contracts, plans, designs, project files—years of work gone in an instant.

You might think that your property or liability insurance policy will restore your files for a small add-on fee. But there’s no fast fix for a cyber attack, especially when your physical property isn’t your most valuable. Data Security & Privacy Breach Insurance can protect you against these losses, help you get your electronic assets back in order, and your business back online.