Coverages: Commercial General Liability | General Liability

The Barn’s General Liability product offers robust protection with high coverage limits and flexible policy extensions, tailored to meet the needs of businesses across various industries. With limits of up to $20M, this policy helps businesses confidently manage public and product liability risks for sectors such as Food and Beverage Manufacturing, Importing and Wholesaling, Property Owners, Retail, and more.

Coverages: Property and Casualty

The Barn’s Winery Package has been designed specifically for small to medium-sized wineries and cellar doors. It offers a comprehensive solution with a range of winery-specific coverage features and optional endorsements, carefully developed to meet the unique needs of the viticulture industry.

Coverages: Cyber

Emergence Insurance's Tech Event Protection provides specialist cyber insurance to help businesses manage cyber risks, minimize financial and reputational losses, and recover from incidents through proactive risk management, 24/7 incident response, and comprehensive claims support.

Coverages: Cyber

Emergence Insurance's Group Personal Cyber Insurance is purchased by businesses providing cyber protection for their employees and their families. This core policy includes cover for cyber events, including hacking, crimeware, cyber extortion, cyber espionage and denial of service. Coverage includes cyber event response costs such as credit and identity monitoring, data restoration, legal costs, and cyber extortion costs. Base premiums start at $25 per employee for $20,000 coverage, with a minimum base premium of $300.

Coverages: Cyber

Emergence Insurance's Personal Cyber Protection Insurance offers comprehensive coverage for individuals and families against various cyber threats. The policy covers cyber events including, crimeware, cyber extortion and hacking, plus provides cover for identity theft, cyberbullying, cyberstalking, and cyber harassment. Coverage limits are flexible, starting from $50,000 up to $1,000,000, with base premiums beginning at $99 annually.

Coverages: Cyber

Emergence Insurance's Cyber Enterprise Solution policy offers comprehensive cyber insurance for large enterprises with revenues exceeding $250 million. The core policy includes business interruption, dependent business interruption, cyber and privacy liability, and cyber incident response costs. Optional coverages include reputational harm, system failure, multimedia liability, tangible property, and joint venture cover.

Coverages: Cyber

Emergence Insurance's Cyber Event Protection policy offers comprehensive cyber insurance for SME businesses. The core policy includes losses to your business, loss to others, and cyber event response costs. Optional coverages include non-IT contingent business interruption and system failure, criminal financial loss, socially engineered theft, directors and officers' liability, tangible property, and joint venture cover.

Coverages: Management Liability

Management Liability insurance is tailored for private companies, offering protection against claims arising from wrongful management acts, employment practice violations (such as wrongful dismissal or discrimination), internal or external theft, tax audits, and statutory fines and penalties. This comprehensive coverage ensures businesses are safeguarded from various operational risks, promoting stability and continuity.

Coverages: Professional Indemnity

Keystone's Professional Indemnity insurance safeguards professionals against claims arising from alleged breaches of duty to third parties. It features a claims-made Civil Liability wording, with coverage limits up to $10,000,000. Key benefits include packaging options with other products, individual or scheme-based quotes, a broad selection of automatic and optional extensions, standard inclusion of costs and expenses beyond the limit, and availability of excess layers.

Coverages: Life

Voluntary Workers' Accident Insurance provides coverage for individuals performing voluntary work on behalf of an organization, offering benefits for accidental death and injury sustained during such activities. Key benefits include the ability to package with other products, individual quotes or scheme solutions, limits up to $250,000 for accidental death, weekly benefits up to $1,000 for accident or sickness, and a wide range of automatic and optional extensions available including Non- Medicare Medical.