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Our Products
Our partners rely on our unique on-the-ground knowledge of geography. With multicultural expertise in numerous lines of business, we have the ability to safeguard many aspects of life.
Cyber Risk
Property
We provide financial protection against damages or losses to physical property. This includes coverage for structures such as homes, buildings, other structures, as well as personal belongings contained within.
Risks it typically covers include fire, theft, vandalism, and certain natural disasters, ensuring that the policyholder is compensated for repairs or replacement of the damaged property.
This insurance is crucial for homeowners, businesses, and landlords, as it helps safeguard their investments and provides peace of mind against unforeseen damages.
Coverage of property insurance varies widely, but that’s where we come in – to meet the diverse needs of our diverse clientele.
Liability Insurance
This insurance is critical for individuals and businesses alike, as it helps protect against the potentially high costs arising from lawsuits and claims of negligence or fault.
Coverage of liability insurance is tailored to the unique risks faced by the insured, whether they are a homeowner, a professional, or a business owner.
Workers’ Compensation
Workers’ compensation provides wage replacement and medical benefits to employees injured in the course of employment. It is designed to protect workers from the financial hardships associated with work-related injuries or illnesses. More specifically, this insurance covers expenses like medical care, rehabilitation, lost wages, and benefits.
This insurance is mandatory in many regions, ensuring essential support for both employees and employers.
Commercial Surety & Contract Bonds
Commercial surety bonds are a type of bond that businesses purchase to guarantee the performance of certain obligations to third parties. These bonds are often required by government entities to ensure compliance with various laws and regulations. Common examples include license and permit bonds, which businesses must obtain as a prerequisite for obtaining certain licenses or permits.
The bond protects the public by ensuring that the business adheres to the stipulated laws and regulations. If the business fails to comply, bonds provide financial compensation for any resulting damages or losses.
Contract bonds, often used in the construction industry, are guarantees that a contractor will fulfill their contractual obligations. These bonds protect the project owner (the bond’s beneficiary) from financial loss if the contractor fails to perform as per the contract terms. The most common types of contract bonds include bid bonds, which ensure that a contractor will enter into a contract at the bid price if awarded the project; performance bonds, which guarantee that the contractor will complete the project according to contractual terms; and payment bonds, which ensure that the contractor pays their subcontractors and suppliers.
These bonds are essential in providing financial security and trust in contractual relationships, particularly in large and complex projects.
Frequently asked questions (FAQ)
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Our agents gather premiums and deduct their commissions prior to paying Evergreen.
