It Risk Managers - we understand your business!
"We Understand Your Business"

Understanding Your Exposures

What exposures do you need to insure?

Click on the links below to learn about our coverage options.

OR... Unsure what exposures you have?

Click here to determine your insurance needs.

What Risks Do Auctioneers Face and Where is the Coverage?

Exposure Examples Coverage
Slips and Falls General Liability Policy
Vase on the table breaks Care, Custody & Control Policy
Item is stolen Care, Custody & Control Policy
Didn't get the price you predicted Errors and Omissions Policy
Hurt while operating equipment General Liability Policy
Misrepresented the item Errors and Omissions Policy
Litigation (you get sued) Errors and Omissions Policy
Data / credit card security Database Breach Policy
Building is damaged Property Policy
Advertising General Liability Policy
Medical Expenses General Liability Policy
Defense Expense Errors and Omissions Policy
You Get Suited Errors and Omissions Policy
Services Rendered Errors and Omissions Policy
Items in Your Possession Care, Custody & Control Policy
Building Owner Property Coverage
Renters Property Coverage
Equipment Property Coverage
Vehicles, Autos, Trailers Auto Hired / Non-owned
Computer Hardware Electronic Data Processing
Items on Wheels of Others Inland Marine
Loss of Personal Information Database Coverage
Credit Card Security Database Coverage
Real Estate Errors & Omissions Real Estate Errors & Omissions
Licensed Real Estate Agent Real Estate Errors & Omissions
Licensed Real Estate Broker Real Estate Errors & Omissions
Auctioneer That Sells Real Estate Real Estate Errors & Omissions

Do you have employees or use contractors?

Click here for a worksheet to determine if your workers are employees or independent contractors. The difference between the two should be used for tax purposes only; worker's compensation coverage is necessary whether or not your workers are independent contractors.

DISCLAIMER: The description herein is a summary indication only. It does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Coverage may not be available in all jurisdictions. Issuance of coverage is subject to underwriting. * In order to qualify for premium credits you must be a member of your local state association and occupational with registration laws.