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Managing Risks & Protecting Assets

When you operate your business, you expose yourself to risk. Injuries to customers, damage to others' property, or lawsuits can happen. It's a fact of life. But you can take precautions that help mitigate those risks.

FCCI’s commercial general liability insurance helps business owners manage risks and protect business assets. The exact coverage you need depends on the size and nature of your business, the location in which you operate, and many other factors. You can purchase additional coverage through FCCI’s Premier Package Policy or FCCI’s First Choice Contractors Liability Endorsement. Your agent and FCCI underwriter will work together to ensure your coverage meets your business needs.

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General Liability Policy Enhancements

Premier Package Policy℠

FCCI's Premier Package PolicySM offers broad business coverage tailored to meet industry-specific needs including manufacturing, wholesale/distribution, restaurants, professional services and more.

Some enhancements include:

  • Automatic coverage for additional insured when required in written contract
  • Medical Expense limit increases to $10,000 per person
  • Per location aggregate
  • Waiver of subrogation when required in written contract

First Choice Liability Endorsement

The First Choice Contractors Liability Endorsement, FCCI's preferred endorsement for the construction industry, provides an optional package of coverages that may be added to a general liability policy.

Some enhancements include:

  • Automatic additional insured status for owners, lessors, state agencies and others when required in written contract 
  • Per project aggregate limit 
  • Waiver of subrogation when required in written contract

Employment Practices Liability

More than half of all Employment Practices Liability claims are made against small businesses that often don’t have formal HR departments. Employment Practices Liability Insurance (EPLI) helps business owners protect assets if an employment claim is filed against their business.

FCCI's Employment Practices Liability coverage includes a Loss Prevention website full of resources to help businesses avoid situations that can lead to an employment action. We also have a toll-free legal advice line for our policyholders.

While FCCI Risk Solutions Network is available to all FCCI policyholders as a risk control resource to help you navigate employment topics independently, purchasing EPLI provides comprehensive employment practices liability coverage.

CYBER Liability

FCCI First Choice Cyber is a comprehensive cyber insurance solution designed to help businesses respond to a full range of cyber incidents.  Coverage is provided for data compromise, computer attack and network security.

Employers have access to eRiskHub which is a robust risk management portal designed to help in preparation for and how to respond if subject to a cyberattack.

CONTRACTORS ERRORS AND OMMISSIONS

FCCI Contractors Errors and Ommissions (E&O) Insurance protects if you are held responsible for faulty design, materials, artistry, or installation.  Commercial General Liability policies exclude coverage for “your product, work, and impaired property.”  Contractors E&O fills that coverage gap.

EQUIPMENT BREAKDOWN

Equipment keeps all kinds of businesses running and income flowing.  When equipment breaks down, it can bring business to a halt.  Traditionally, Property Coverage excludes equipment breakdown losses, leaving business owners with costly repairs.  FCCI Equipment Breakdown coverage includes certain critical components and provides coverage from losses due to centrifugal force, breakdown, motor burnout, electrical arcing and utility surges.

All businesses rely on equipment; the possibility of breakdown is always present. In addition, electronic technology has increased risks. FCCI can help you manage these issues more effectively.

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