Bespoke Wealth Management, Inc.
COMMERCIAL PROPERTY INSURANCE
Commercial and Industrial property insurance protects property from such perils as fire, theft and natural disaster.
GENERAL LIABILITY INSURANCE
Business Liability coverage helps protect your business from claims for damages caused by your employees, products and some operations.
EXECUTIVE BONUS PLAN
An executive bonus plan is a way for business owners or companies to provide additional supplemental benefits to key employees or executives of their choice. The benefits usually include life insurance policy death benefits as well as cash value accumulations that can be used as a retirement income supplement.
CYBER LIABILITY INSURANCE
Cyber and Privacy policies cover a business' liability for a data breach in which the firm's customers' personal information, such as Social Security or credit card numbers, is exposed or stolen by a hacker or Criminal who has gained access to the firm's electronic network.
BUSINESS AUTO INSURANCE
Business Auto policy covers company’s use of cars, trucks, vans and other vehicles in the course of carrying out its business. Coverage may include vehicles owned or leased by the company, hired by the company, or employee-owned vehicles used for business purposes.
BUSINESS OVERHEAD EXPENSE
An overhead expense insurance policy helps ensure business owner clients can protect their business if a disability prevents them from working. Overhead Expense insurance reimburses an owner for business expenses incurred during a disability.
A specialized type of professional liability insurance, medical malpractice insurance provides coverage to physicians and other medical professionals for liability arising from disputed services that result in a patient’s injury or death.
COMMERCIAL UMBRELLA INSURANCE
An umbrella policy is an insurance policy designed to increase your liability protection over your primary policy.
KEY-MAN / BUY-SELL INSURANCE
Key man insurance is simply life insurance on the key person in a business. In a small business, this is usually the owner, the founders or perhaps a key employee or two.
Buy–sell agreement, also known as a buyout agreement, is a legally binding agreement between co-owners of a business that governs the situation if a co-owner dies or is otherwise forced to leave the business, or chooses to leave the business.
Employment practices liability insurance provides coverage to employers against claims made by employees alleging:
- Wrongful termination
- Failure to Promote
D & O INSURANCE
Directors and officers liability Insurance is liability insurance payable to the directors and officers of a company, or to the organization itself, as indemnification for losses or advancement of defense costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers.
ERRORS & OMMISION
Errors & Omissions (E&O) is a form of liability insurance that helps protect professional advice and service providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit.
Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue their employer for the tort of negligence.