Additional Coverages

From EPLI to special programs, we can find the right coverage for you.

Auto Garage Program

This customized program provides property and general liability coverage f0r gasoline service stations, mechanical repair shops, auto body repair, auto upholstery shops, tire dealers, car washes, parking lot/storage facilities and auto parts stores with repair facilities.

Contractors' Errors and Omissions

This endorsement, when added to your General Liability policy, gives you coverage on property damage commonly excluded. Contractors' E&O provides coverage for claims made for damages that your operations become legally obligated to as a result of a negligent act, error or omission. It also provides coverage for a defect in material or in a product sold or installed by your work or operations.

Cyber Security Insurance Coverage

Our Cyber Security Insurance Coverage gives you the added peace-of-mind protection for one of today’s most prevalent business threats—theft or breach of personally identifying information—at a very affordable cost. Cyber Security Insurance provides coverage for expenses and exposures associated with a data breach, such as notification of a breach and remediation services for impacted individuals. The product includes coverages for first-party privacy breach expense, third-party cyber liability and regulatory proceeding claim expenses, along with optional first-party business interruption. 

In addition, commercial policyholders have assistance to proactive privacy breach services and tools, including educational materials and training modules.  If a breach occurs, IDT911 experts will help commercial policyholders swiftly and effectively respond. The company will assess breach severity, provide advice on notification and regulatory requirements, and assist with media relations and necessary steps to safeguard sensitive information. Every step of the way, commercial policyholders have a partner to help prevent regulatory sanctions or fines, avoid civil litigation and preserve policyholders’ reputations. 

Manufacturers’ E&O 

Our Manufacturers’ Errors and Omissions is a value-added, affordable endorsement that extends coverage not commonly provided by your General Liability. Coverage protects manufacturers from a claim made for damages they are legally obligated to pay for a negligent act, error or omission. Coverage is triggered by business risk, product physical injury or negligent act, error or omission.

Mechanics’ E&O

Our Mechanics’ Errors and Omissions endorsement offers coverage for the insured’s faulty workmanship or defective products when either causes resultant damage to a customer’s vehicle. This coverage is included within the liability limits of the Auto Dealers or BOP policy and is not sub-limited.  


Our PennPacs can be added to your policy to give you more coverage and higher limits. You'll find valuable coverage enhancements of Business Auto, Businessowners, General Liability, Property and Inland Marine. Many of the coverages can be added at no, or a nominal, flat charge.

Employment Practices Liability Insurance (EPLI)

A company is roughly three times more likely to have an employment practice claim than a fire. EPLI offers businesses protection from claims by workers who feel their legal rights as employees were violated. EPLI coverage protects against wrongful failure to promote, wrongful demotion or termination, harassment, discrimination, humiliation or misrepresentation. Coverage also provides a legal hotline and human resources website.

Agents Umbrella (Wisconsin Only)

As an affiliate of Penn National Insurance, we have an outstanding Agents Umbrella program, endorsed by both the National Association of Professional Insurance Agents and the Independent Insurance Agents & Brokers of America. Read more >

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