* = AONP Plans

Professional Liability (aka Malpractice or Errors and Omissions, E&O)

Protection for your liability to patients and third-parties for acts, errors or omissions within the scope of your profession. Many policies also provide risk management and pre-claim assistance in addition to defense and claims payments.

Employment Practices Liability

Claims and defense protection for your liability for employment-related allegations, such as wrongful termination, harassment and discrimination. Many policies also provide coverage for third-party allegations, as well as HR training tools and risk management assistance.

Business Owners Policy (BOP)

Combines protection for major property and liability risks. You would purchase this type of policy in place of separate general liability and commercial property insurance plans.

Commercial Property

Protection for damage to your business property, such as building and contents, including labor and materials.

General Liability

Claims and defense protection for your liability for business operation allegations such as bodily injury, property damage, and personal injury.

Business Auto

Protection for use of your company’s vehicles in the course of carrying out business. Coverage may include vehicles owned or leased by the company, hired by the company or employee-owned vehicles used for business purposes.

Workers’ Compensation

Covers medical expenses and compensation benefits to employees who are injured or sickened on the job.

Directors and Officers Liability

Covers your officers and board of directors for claims resulting from breaches of duty of care that have adverse financial consequences to its constituents (i.e. clients, shareholders, employees, government, competitors, and vendors).

Cyber Liability and Data Breach Protection (aka Network Liability)

Covers your liability to clients for a data breach in which your clients’ personal information is exposed to or stolen by someone who has accessed your firm’s electronic network.

Crime (aka Fidelity, Profit Sharing Liability, Fiduciary Liability)

Protection for your loss of assets resulting from criminal acts such as burglary and robbery, and employee dishonesty.

Bonds

Three party instruments by which one party guarantees or promises a second party the successful performance of a third party.
Types of Bonds:

  • Performance
  • Indemnity
  • License
  • Payment
  • Court
  • Employees Dishonesty
  • ERISA
  • Fiduciary
  • Replevin
  • Receiver or Bankruptcy Trustee Bond
  • Notary

Business Overhead Expense (BOE) *

Protection to cover business expenses such as payroll, insurance, utilities, and rent if you become disabled.

Health

Coverage for medical, hospital and prescriptions. Available for either individuals or employer groups.

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Dental

Coverage for dental care, including routine exams, medical procedures and prescriptions. Available for either individuals or employer groups.

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Life *

Upon your death, provides income replacement for your family beneficiaries and could be used to pay off debts, pay for burial expenses, charitable giving, and even to finance a business succession. Many policies also provide a living benefit should you be diagnosed with a terminal illness. Permanent policies, such as whole, variable or universal also have cash value benefits. Available for either individuals or employer groups.

  • *AONP 10 Year Level Term Group Plan – Underwritten through New York Life Insurance Company, the 10 Year Level Term group plan provides life insurance at a guaranteed rate for 10 years.
  • *AONP Annual Renewable Term Group Plan – Also underwritten through New York Life Insurance Company, the Annual Renewable group plan is popular with young families and middle-aged clients due to low initial premiums and high face values
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Disability *

Provides replacement of your income should you become disabled due to accident or illness. Available for either individuals or employer groups.

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Vision

Coverage for eye care, including routine exams, medical procedures and prescriptions.

Long Term Care

Coverage for nursing home, assisted living or home health care should you be unable to perform two or more Activities of Daily Living (ADLs).

Homeowners

Coverage for property damage to your home and covered structures (such as fence or shed), medical expenses and personal liability.

Personal Auto

Coverage for property damage to your autos, liability for damage you cause and medical expenses.

Motorcycle

Coverage for property damage to your motorcycle, liability for damage you cause and medical expenses.

Watercraft

Coverage for property damage to your watercraft, liability for damage you cause and medical expenses.

Earthquake

Coverage for property damage to your home and covered structures (such as fence or shed), medical expenses and personal liability resulting from an earthquake.

Flood

Coverage for property damage to your home and covered structures (such as fence or shed) resulting from a flood.

Accidental Death & Dismemberment

A limited form of life insurance where a benefit is paid should you lose the use of certain body parts or should your die by accidental means versus natural causes.

Accidental Disability

Provides replacement of your income should you become disabled due to an accident.

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