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Obvious Commercial Insurance exposures for any company are presented by Fire, Liability, Vehicles, and Workplace Injury, but today, family-owned and closely-held companies can also be greatly impacted by claims arising out of the norm of usual business operations, requiring coverages such as Directors & Officers Liability, Fiduciary Liability, and Employment Practices Liability to respond. business-owner policies may now write larger and more numerous coverages in the small-business marketplace, where Safeco has reported 20% growth in the past two years. Policy parameters are changing, some coverages previously included will now be excluded, and there is a tremendous underwriting crunch. |
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