Workers Comp No-fault statutory benefits prescribed in state law are provided by an employer to employees who experience work-related injuries. Cyber Cyber and privacy insurance is a type of insurance designed to cover consumers of technology services or products. Business Income BIC is commercial property insurance covering loss of income suffered by a business when damage to its premises by a covered cause of loss causes a slowdown or suspension of its operations.  Property Property insurance is first-party insurance that indemnifies the owner or user of property for loss when the property is damaged. Errors + Omissions Professional liability insurance protects professionals and businesses from claims of errors or omissions in their services, typically covering financial losses rather than bodily injury or property damage. Earthquake Earthquake coverage is typically excluded from most property insurance policies, except ensuing fire. Inland Marine Insurance which covers cargo and property in transit, movable items, and certain infrastructure, offering flexible and broad protection. General Liability General liability insurance protects commercial insureds from most liability exposures other than automobile and professional liability. Equipment Breakdown Equipment breakdown insurance is coverage for loss due to mechanical or electrical breakdown of nearly any type of equipment, including photocopiers and computers. Umbrella An umbrella liability policy is a policy designed to provide protection against catastrophic losses. Recall Product recall is coverage for the cost of getting a defective product back under the control of the manufacturer. Intellectual Property Intellectual property defense cost reimbursement insurance provides coverage that reimburses the insured for legal expenses due to IP litigation. Employment Practices Employment practices liability insurance (EPLI) is a type of liability insurance covering wrongful acts arising from the employment process. Auto Commercial auto insurance consists of a comprehensive portfolio of coverage options designed to provide auto protection for all types of commercial entities. Crime A policy that is designed to meet the needs of organizations other than financial institutions such as banks. Product Liability Provides protection against financial loss arising out of the legal liability incurred by an insured because of injury or damage resulting from the use of a covered product. NON-PROFIT MANUFACTURING CONTRACTORS

The Contributorship Risk Studio

Since 1997 we’ve been dedicated to craft of risk management.  With a focus on proactive assessment and improved terms and conditions, our approach allows you to move forward with confidence. Each project begins with listening to the client and understanding their ultimate goals.  Let’s connect.