Do you have the right coverage?

Kleinschmidt Insurance can help you select the coverage you need for your business.

Available coverages include:

  • General Liability
  • Directors and Officers
  • Employee Practices Liability
  • Property
  • Workers Compensation
  • Auto Liability

What does a Directors and Officers policy cover?

A Directors and Officers policy specifically provides coverage for “wrongful acts,” such as an actual or alleged error, omission, misleading statement, neglect, or breach of duty.  This policy will provide defense costs and indemnity coverage to the organization itself, directors and officers that serve on the board, and individual directors and officers.

Example of when a Directors and Officers policy would be needed:

The Board of Directors of a church was sued by multiple donors for allegedly misrepresenting the financial status of the organization.  A D&O policy could cover the defense costs as well as the settlement paid out to the accusing parties.

Do you have the right property coverage?

Property exposures consist of more than just the building itself and some policies may exclude certain perils that could cause damage or a loss.  Let a Kleinschmidt Agent help you identify your exposures and make sure you have the right coverage for your personal property, on and off the premises, as well as others’ property in your business’s care, control, or custody.

The Kleinschmidt Difference

The professionals at Kleinschmidt Insurance will design and insurance program tailored to your specific business.  This is followed up with exceptional client service throughout the year including insurance guidance, risk management and safety programs, as well as worker’s compensation and mod analysis at no extra cost.

Contact us for a consultation regarding your insurance needs.

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