Business Insurance Solutions

Support Against Business Risks

You work hard to make your business a success. Your insurance coverage should work just as hard as you. Pearl Insurance offers a variety of coverage options to help safeguard you against the business risks you face each day. Utilizing our expansive network of carrier partners, the Pearl Insurance team will work with you to choose the best program for your coverage needs.

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Bond Insurance

Bonds are often required by private industry, municipalities, states, and the federal government for making sure that the principal abides by the governing laws as well as policies or a contract. With Bond Insurance, the bond and the consumer are protected from fraud or failure of the principal to perform its duty to the obligee. Pearl Insurance's Bond Insurance helps repay bond issuers the principal and all associated interest payments to the bondholders in the event of default. Secure Bond Insurance or request more information on this product by calling Pearl Insurance at 800.447.4982.

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Builder's Risk Insurance

Pearl Insurance's Builder's Risk Insurance helps indemnify against damage to buildings while they are under construction, covering physical loss or damage to a person's or an organization's insurable interest in materials, fixtures, and/or equipment being used in the construction or renovation of the building or structure. Secure Builder's Risk Insurance or request more information on this product by calling Pearl Insurance at 800.447.4982.

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Business Owners Policy Coverage

Pearl Insurance offers competitively priced and comprehensive Business Owners Policy (BOP) Coverage. Our BOP Insurance offers a number of specific features for Property, Building, Business Personal Property, and Liability Automatic coverages. Secure BOP Insurance or request more information on this product by calling Pearl Insurance at 800.447.4982.

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Commercial Auto Insurance

Commercial Auto Insurance provides protection for autos owned, non-owned, and rented by a business and used for furthering that business. These policies are usually written on a stand-alone basis, however, they can be written as part of the Commercial Package Policy. Coverage on the units can be written for Liability, Uninsured Motorist, and Physical Damage. Secure Commercial Auto Insurance or request more information on this product by calling Pearl Insurance at 800.447.4982.

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Commercial Package

Pearl Insurance's Commercial Package is a complete, custom commercial lines policy that contains a combination of the following: Commercial Property, Commercial General Liability, Commercial Inland Marine, Commercial Crime, Boiler and Machinery Insurance, Commercial Auto Insurance, and Farm coverage. Secure your Commercial Package or request more information on this product by calling Pearl Insurance at 800.447.4982.

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Contingent Liability Insurance

Pearl Insurance's Contingent Liability Insurance helps cover a business owner if they're held liable for bodily injury, property damage, or personal injury caused by another party the business owner is in contractual relations with. Contingent Liability, also referred to as Indirect Liability, is one of the general liability exposures business owners face while running their company. Secure Contingent Liability Insurance or request more information on this product by calling Pearl Insurance at 800.447.4982.

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Crime Insurance

Let Pearl Insurance provide your Crime Insurance to cover losses due to victimization by criminals. Crime Insurance covers claims for employee theft or other offenses that have the potential to cause financial ruin. Secure Crime Insurance or request more information on this product by calling Pearl Insurance at 800.447.4982.

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Difference in Conditions Insurance

Pearl Insurance's Difference in Conditions Insurance is an all-risks property insurance policy or endorsement—purchased in addition to a commercial property policy—that helps you with perils not insured against in the Commercial Property Policy (usually flood and earthquake). Secure Difference in Conditions Insurance or request more information on this product by calling Pearl Insurance at 800.447.4982.

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Directors and Officers Liability Insurance

Pearl Insurance's Directors and Officers (D&O) coverage is a liability insurance payable to the directors and officers of a company or the organization(s) itself. It helps to cover damages or defense costs in the event the director or officer suffers losses as a result of a lawsuit for alleged wrongful acts while acting in their capacity as directors and officers for the organization. Secure Directors and Officers Liability Insurance or request more information on this product by calling Pearl Insurance at 800.447.4982.

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Employment Practice Liability Insurance

Claims of discrimination, sexual harassment, and wrongful termination are increasing at an alarming rate. Even if the allegations are false, you'll need to defend your reputation and your practice, and those costs could be significant. Employment Practice Liability Insurance helps you protect yourself and your practice against malpractice suits and physical damages to your office and its contents. Secure Employment Practice Liability Insurance or request more information on this product by calling Pearl Insurance at 800.447.4982.

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Errors & Omissions Insurance

Errors & Omissions (E&O) Insurance is also called Professional Liability Insurance (PLI) or Professional Indemnity Insurance (PII). 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. The coverage focuses on alleged failure to perform on the part of, financial loss caused by, and error or omission in the service or product sold by the policyholder. These are potential causes for legal action that would not be covered by a more general liability insurance policy, which addresses more direct forms of harm.

Professional Liability or E&O coverage sometimes also provides for the defense costs, including when legal action turns out to be groundless. Coverage does not include criminal prosecution, nor a wide range of potential liabilities under civil law that are not enumerated in the policy, but which may be subject to other forms of insurance. Professional liability insurance is required by law in some areas for certain kinds of professional practice (especially medical and legal), and is also sometimes required under contract by other businesses that are the beneficiaries of the advice or service. Secure E&O Insurance or request more information on this product by calling Pearl Insurance at 800.447.4982.

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Excess Liability Insurance

Pearl Insurance's Excess Liability Insurance policy provides coverage beyond that of an underlying policy such as an automobile or homeowner's policy, including costs such as medical or other claim payments that can exceed the amount of liability insurance provided by another policy. Secure Excess Liability Insurance or request more information on this product by calling Pearl Insurance at 800.447.4982.

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Fiduciary Liability Insurance

Pearl Insurance's Fiduciary Liability Insurance provides coverage for legal liability arising from claims for alleged failure to prudently act on behalf of a trust or employee benefit plan, any trustee, officer, or employee of the trust or employee benefit plan, employer who is sole sponsor of a plan, and any other individual or organization designated as a fiduciary. Secure Fiduciary Liability Insurance or request more information on this product by calling Pearl Insurance at 800.447.4982.

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Flood Insurance

Flood coverage from Pearl Insurance covers against property loss from flooding. Secure Flood Insurance or request more information on this product by calling Pearl Insurance at 800.447.4982.

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General Liability Insurance

General Liability Insurance involves a standard insurance policy issued to business organizations to protect them against liability claims for bodily injury and property damage arising out of (Part A) premises, operations, products, and completed operations; (Part B) advertising and personal injury liability; and (Part C) medical payments. Secure General Liability Insurance or request more information on this product by calling Pearl Insurance at 800.447.4982.

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Hole-In-One Insurance

Pearl Insurance offers coverage against the risk associated with offering a valuable prize at a hole-in-one contest, and pays out any prizes. Secure Hole-In-One Insurance or request more information on this product by calling Pearl Insurance at 800.447.4982.

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Liquor Liability Insurance

Pearl Insurance's Liquor Liability Insurance covers your business in the event that claims related to liquor are made against you, such as claims involving damages as a result of the actions of an intoxicated person, DUI damages, etc. Secure Liquor Liability Insurance or request more information on this product by calling Pearl Insurance at 800.447.4982.

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Marine Insurance

Pearl Insurance's Marine Insurance helps cover the loss or damage of ships, cargo, terminals, and any transport or cargo by which property is transferred, acquired, or held between the points of origin and final destination. Secure Marine Insurance or request more information on this product by calling Pearl Insurance at 800.447.4982.

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Notary Public Insurance

Notary Public Insurance is a Pearl Insurance policy that specifically helps notary publics with legal issues arising from mistakes that cause their client to suffer financial loss. Secure Notary Public Insurance or request more information on this product by calling Pearl Insurance at 800.447.4982.

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Package Insurance Policies

Our Package Insurance Policies include several varieties of insurance grouped together and underwritten together, allowing better and more complete coverage with all of your policies through the same provider. Secure Package Insurance Policies or request more information on this product by calling Pearl Insurance at 800.447.4982.

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Pollution Liability Insurance

Pearl Insurance provides Pollution Liability coverage as gap insurance for businesses and contractors who wish to protect against risks associated with construction and ongoing industrial operations, such as broken pipelines, fuel spills, and release of toxic gases. Secure Pollution Liability Insurance or request more information on this product by calling Pearl Insurance at 800.447.4982.

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Professional Liability Insurance

Professional Liability Insurance (PLI), also called Professional Indemnity Insurance (PII) or Errors and 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. The coverage focuses on alleged failure to perform on the part of, financial loss caused by, and error or omission in the service or product sold by the policyholder. These are potential causes for legal action that would not be covered by a more general liability insurance policy, which addresses more direct forms of harm.

Professional Liability coverage sometimes also provides for the defense costs, including when legal action turns out to be groundless. Coverage does not include criminal prosecution, nor a wide range of potential liabilities under civil law that are not enumerated in the policy, but which may be subject to other forms of insurance. Professional Liability Insurance is required by law in some areas for certain kinds of professional practice (especially medical and legal), and is also sometimes required under contract by other businesses that are the beneficiaries of the advice or service. Secure Professional Liability Insurance or request more information on this product by calling Pearl Insurance at 800.447.4982.

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Property Insurance

Pearl Insurance's Property Insurance provides protection against most risks to property, such as fire, theft, and some weather damage. Secure Property Insurance or request more information on this product by calling Pearl Insurance at 800.447.4982.

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Special Event Insurance

Special Event Insurance from Pearl Insurance provides liability protection for organizations or individuals that host activities not included in their General Liability Policy. Pearl Insurance's Special Event Insurance Program provides liability coverage, liquor, and legal defense for claims of negligence against the party holding the event. Secure Special Event Insurance or request more information on this product by calling Pearl Insurance at 800.447.4982.

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Umbrella Insurance

Commercial Umbrella Insurance coverage is a supplement to Commercial General Liability Insurance. It provides added protection from gaps or exclusions in Commercial General Liability policies, which have a self-insured retention clause requiring extra coverage for losses the policy doesn’t cover. The most common reason for using Commercial Umbrella Insurance is as a monetary extension for Commercial General Liability Insurance. An Umbrella policy from Pearl Insurance protects the assets and future income of the policyholder above and beyond the standard limits on their primary policies. Secure Commercial Umbrella Insurance or request more information on this product by calling Pearl Insurance at 800.447.4982.

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Workers' Compensation

Workers' Compensation from Pearl Insurance offers 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 his or her employer for the tort of negligence. Secure Workers' Compensation Insurance or request more information on this product by calling Pearl Insurance at 800.447.4982.

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