Anything can happen to your business, so be prepared

Business interruption insurance covers net profit, ongoing expenses, and even extraordinary expenses when a business is disrupted by natural disasters, terrorism, employee fatality and even executive kidnapping.

Business interruption insurance is one of those things that you don’t know you need until you need it. The goal is to be covered by a policy that replaces your loss of income or profits until you’re back up and running again.

Basic coverage for small and mid-sized businesses in one cost-saving package.

A Business Owners’ Policy (BOP) combines some of the most critical business insurance coverages your company needs, such as General Liability Insurance and Commercial Property Insurance, into one convenient and cost-effective policy.

Keeping your vehicles and drivers on the road.

While you do all you can to ensure that your fleet is properly maintained and that your employees arrive at their destinations safely and on time, unexpected weather events or road conditions, not to mention other drivers, can quickly turn routine trips into journeys that change the course of your business.

Making sure you have adequate coverage is paramount in this area as every day, more than eight people are killed and more than 1,000 are injured in crashes involving distracted driving.

Protecting the property that is important to you.

Beyond the standard business owners' policy, business owners and property managers need to be certain that they are properly covered for losses that impact the physical assets of the business. I.e. your building and its contents, including owned or leased equipment, and outdoor fixtures, such as fences and signs.

Protecting Your Success and Protect Your Bottom Line

Ensure the security of your organization's bottom line by implementing measures to prevent employee theft, forgery, and asset misappropriation. Safeguard against fraud to maintain the integrity and prosperity of your business.

Protecting your business, your employees, and your data from cybersecurity risks.

Cyber insurance, also known as cybersecurity insurance, is a type of business liability insurance that protects your business against cyber security risks and data breaches. Cyber insurance can help restore employee and customer identities, recover compromised data and repair damaged computers and networks, whether your business is the victim of a data breach, social engineering, ransomware, or phishing attack.

A staggering number of small and medium-sized organizations get attacked each year, and many without the support of cyber insurance coverage. What’s more, COVID-19 has upped the stakes, as remote working makes computer systems more vulnerable.

Protecting Your Leadership

Directors and officers insurance (D&O) shields your leadership from the financial repercussions of lawsuits stemming from their decisions. Whether your organization is private, nonprofit, or public, D&O insurance provides crucial coverage against claims from shareholders, regulatory bodies, donors, clients, and more, ensuring peace of mind for your leadership team.

Protecting your organization against costly litigation

EPLI covers an employers’ defense costs and losses from employment-related claims, including wage and hour disputes and allegations of discrimination, harassment, retaliation, and unlawful termination.

Do you need employment practices liability insurance? The short answer is yes. If you have employees, you have liabilities.

Tailored E&O Coverage for Professionals

Errors and Omissions (E&O) insurance, also known as Professional Liability Insurance, provides essential protection against errors made in professional services. From defense costs to settlements, E&O insurance covers allegations of misrepresentation, breach of services, and other wrongful practices, ensuring financial security in case of client disputes or legal challenges.

Protecting you and your business assets from risk & liability claims

It’s important to protect your organization from lawsuits that can arise as a result of accidents or negligence.

Under most general liability insurance policies, your business can be protected from lawsuits resulting from:

-Bodily injuries that occur to customers, vendors, or visitors on your premises
-Personal injuries sustained because of the actions or negligence of one of your employees
-Property damage caused by your employees
-Advertising injury (damage from slander or false advertising)

Key person insurance provides financial protection to a company in the event of the death or incapacitation of a crucial employee or leader, ensuring continuity and stability. The insurance policy compensates your business for potential financial losses and facilitating the transition period that the absence of a key individual could cause.

Expert Marine Insurance Solutions

Trust our knowledgeable advisors to tailor comprehensive coverage to your marine risk management needs, whether central or peripheral. With expertise in inland and ocean risks, transportation, property, hull, cargo, and liabilities, we leverage strong carrier relationships to craft creative insurance solutions for your maritime ventures.

Comprehensive Medical Malpractice Insurance

Ensure your practice is protected with medical malpractice coverage tailored to your evolving liability needs. WizdomOne offers access to top-rated insurers, competitively priced policies, and a wide range of coverage options, including telemedicine-specific risks. With experienced claims managers and tailored coverage for various medical professionals, trust WizdomOne to safeguard your practice and patients.

Streamline Your Transactions with M&A Insurance

Ensure smooth deal closures and mitigate risks across industries with Mergers & Acquisitions Insurance. Also known as Transactional Risk Insurance, this coverage helps buyers and sellers navigate uncertainties such as contractual guarantees, taxes, and ongoing litigation. Trust WizdomOne to customize M&A Insurance solutions, providing peace of mind and expediting negotiations for all parties involved.

Protecting your business and its operations from unexpected legal action.

Your company can be hit with allegations of misrepresentation, breach of contract or wrongful business practices. Professional liability aka E&O insurance protects businesses against charges of negligence or harm, based on a professional service or advice you provided.

Professional liability insurance covers defense costs, judgment, settlements and fines or penalties resulting from the allegations of misrepresentation, breach of professional services, wrongful business practices, misleading advice, and conflict of interest.

Protecting Projects and Promises

Surety bonds are essential tools in the construction industry, providing assurance for contractors, suppliers, and project owners alike. Required by law for many public construction projects, these bonds offer financial guarantees backed by insurance companies to ensure contractual obligations are met. With bid bonds, performance bonds, payment bonds, and various commercial surety bonds available, partnering with an experienced broker is vital to navigating the complex landscape and securing the best resources for your projects.

It’s time for a wizer approach to workers’ compensation insurance

Workers' compensation insurance protects employees and employers from liabilities associated with workplace injury and death. Workers’ compensation can provide medical care, disability, rehabilitation, and survivor benefits to those injured or killed in work-related accidents.