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;
• Provisions for credit monitoring and client notification fees.

Why do we recommend it?

When you rely on computer networks for the bulk of your work, hackers, malware, and ransomware pose a real threat. Whether it’s a stolen laptop, a breach in your cloud provider, or even extortion from a rogue employee, being on a network exposes you to cyber risk.

For Interior Designers, a cyber breach isn’t just the exposure of client data; it also means lost contact lists, past project files, or worse, current project files. Drawings, estimates, and resources that took countless hours of work and streaks of creativity to build up—all gone in an instant. You’d be facing a setback of days, weeks, or even months.

The business interruption from a data leak might be particularly harsh for companies that custom design and sell their own products, especially if a client has their heart set on a specific idea or model. For newer or smaller firms with limited funds, the resulting financial and professional fallout could be irreparable.

Clients tend to be very forgiving of a privacy breach when it is well-handled by a business. That is, when clients are notified in a timely manner and a sincere apology is made.

However, to accomplish these things during the fallout from a breach, you’ll need a team of professionals, provisions to keep your business running and funds for any potential damages. PROLINK can help you access all of these services with our Cyber/Privacy Breach Insurance.

What is it?
Our Group Health & Dental Benefits offer fully customizable Health, Dental, and Drug plans for you and your employees at competitive rates. Plan features may include (but are not limited to):

• Extended healthcare, including drug and dental coverage;
• Life insurance;
• Long-term disability insurance;
• Employee assistance plans;
• Health spending accounts;
• And more!

Why do we recommend it?
Any business with employees should consider Group Health & Dental Benefits. A strong benefits package will help you protect the physical, mental, and financial health of your staff. And when employees are healthy—when they feel supported by workforce leaders—businesses are resilient in the face of an uncertain future.