Lockton Affinity offers a variety of policy types for our clients.

Below is a list of our most valued coverage, but we are experts at designing customized insurance solutions to fit your needs.

Accidental Death & Dismemberment (AD&D) Insurance

Accidental Death & Dismemberment or AD&D is a type of coverage that will pay you additional benefits to any life insurance plan, in the event of an accidental death. Covered accidents range from exposure, falls, heavy equipment accidents or traffic accidents. Dismemberment will cover the loss of limbs, fingers, toes or eye sight. If you have an AD&D policy you only pay for the sustained protection, AD&D insurance is not a vehicle for investment. AD&D typically has four different types of group plans. These plans range from Dependents, Group Life Supplement, Travel Accident or Voluntary.

Builders Risk Insurance

Builders risk insurance provides coverage for general contractors, custom builders and property owners during the construction of their building or structure. Our insurance covers you for a number of different risks that can occur during the construction process such as wind, fire, vandalism and theft. In the event of physical loss or damage during the construction process our coverage will extend to your materials and/or equipment, not just the building/structure. Once your building/structure has been completed or occupied the policy will be terminated. For renovations or add on projects to a building or structure you would not typically need a Builders Risk policy because you will be covered under your Property Insurance.

Business Owner’s Policy (BOP) Insurance

A Business Owner’s Policies or “BOP” provides protection for business owners that are in need of both property and general liability coverage. Coverage includes your building and extends to the perishable items inside your building such as equipment, furnishings, etc. Business interruption coverage ensures that in the event of a fire, break-in or other type of event that leads to your inability to conduct business, you will be have the ability to recover lost revenue during the interruption. The General liability portion will cover any legal costs accrued during the defense of your business in a lawsuit or in the event that you are ordered to pay damages for personal injury and property damage.

Commercial Auto Insurance

If you use vehicles as part of your business operations, a commercial auto policy should be included as part of your insurance program. Commercial auto insurance provides coverage for vehicles in the event they incur physical damage, cause physical damage or bodily injury to others. If appropriate, we also include non-owned auto coverage which protects from claims for damages involving bodily injury or property damage caused by someone working on behalf of the business while using a vehicle not owned by the business.

Commercial Package Insurance

Commercial package policies can help your small business combine multiple coverage into a single policy. You may find that you need to provide coverage for crime, inland marine, auto or other coverage, in addition to the property and liability coverage you already have. A commercial package can help you combine your coverage at an affordable rate for the specific risks that your business may face through the aggregate buying power we have with top-rated carriers.

Cyber Liability Insurance

If you keep personally identifiable information (PII) about your customers/clients then you could be at risk for the costs associated with breach of your business records. Cyber liability insurance covers hackers or viruses, loss or theft of devices that contain records or passwords and all paper files that might be stolen, mishandled or disposed of improperly. Cyber Liability insurance provides coverage against high costs that can accrue as a result of any theft or breach of client/customer data. You will receive notification services to help with legal requirements, receive services that help you respond to an incident and investigate the crime and cover the costs of ongoing credit monitoring.

Defense Base Act Insurance

We design customized Defense Base Act Insurance to protect your business if you have government contacts. Lockton Affinity will design and manage your insurance program to meet the requirements of the Department of Defense, and protect your business, employees, foreign workers and contractors. Our team of experts will evaluate your existing coverage and offer exceptional, hassle-free coverage and exemplary service to provide you peace of mind.

Disability Insurance

We write Disability Insurance coverage for your small business to offer to your employees. Disability Insurance, DI or Disability Income Insurance provides your employees financial security in the event a disabling illness or accident prevents their ability to complete their core work functions.

Employment Practices Liability Insurance

As an employer you are at risk for litigation from employees alleging discrimination, sexual harassment, retaliation and wrongful termination claims alleged against you. Employment Practices Liability insurance will cover you for the costs stemming from claims associated with the employment process.

Excess Liability Insurance

An excess liability policy will not provide you broader coverage than your liability policy, or umbrella liability policy, but if you need additional limits of insurance above your liability coverage then an excess policy can provide you those limits. Excess liability insurance can assist in lowering the cost of your premium because in the event of a claim you do not have to pay out so much, instead you are responsible for paying the extra cost upon filing the claim. The additional limits provided by an Excess Liability Insurance policy can help you cover fiduciary liability claims that may occur above your primary policy.

Fiduciary Liability Insurance

Lockton Affinity designs customized Fiduciary Liability Insurance to protect your organization’s assets for claims stemming from the mismanagement your member’s benefit plans. The coverage extends to anyone within your organization that has fiduciary responsibilities associated with overseeing your member’s benefit plans. Our team of experts will build your insurance program based on their evaluation of your organization and your industry so you have the coverage you need.

General Liability Insurance

General Liability Insurance provides you protection from third party claims alleging damages for incidents such as bodily injury, personal injury or property damage. Whether you are a large organization or a small business you face a variety of risks as part of your management responsibilities. We work with large numbers of organizations, associations and small businesses nationwide, so we understand your risks and are experienced in designing tailored General Liability Insurance solutions that meet your needs.

Homeowners Insurance

If you finance your home with a mortgage you are generally required by your lender to carry insurance. We can offer Homeowners insurance to you in the event your organization has a need for this kind of insurance and are looking for better rates. Given our exclusive relationship with top-rated carriers we can provide aggregate buying power with cost effective options which helps you bolster the relationship with your members.

Inland Marine Insurance

Inland Marine Insurance provides protection for your property in the event it incurs damage or is lost while in transit. The types of property covered under an Inland Marine policy include, but are not limited to, construction equipment, photography equipment or vehicles. You can extend your coverage to include protection for your property while temporarily stored by a third party. Inland Marine policies are a broader and more customized form of property insurance. Inland Marine policies can also be referred to as “Floater” policies due to the fact the policy provides you coverage regardless of where your property exists.

Management (Directors & Officers) Liability Insurance

The executives and Board of Directors of your organization or association are at risk for litigation brought by customers, franchisees and investors from claims of mismanagement or breach of fiduciary duties. Management (D&O) Liability insurance provides protection for their personal assets.

Professional Liability (Errors & Omissions Liability) Insurance

Professional Liability Insurance, also referred to as Errors & Omissions Liability Insurance or Malpractice Insurance, covers the cost of certain legal fees, and judgments/settlements that you may face as a result of claims and litigation brought against you based on the advice or services you have provided. Your Professional Liability program will be designed based on our assessment of your industry and business so you receive the coverage you need.

Property Insurance

Lockton Affinity designs customized business property insurance coverage based on the specific needs of your organization or association. With this objective in mind,  we work directly with your members to help them understand the coverage requirements they need for their specific property coverage needs and will answer any questions they may have.

Reenactment Clubs General Liability Insurance

For those performers that take part in reenactments like Civil War battles or medieval festivals we provide liability coverage to protect the performers in the event they accidentally injure another performer or bystander or damage property.

Specialty Coverage Insurance

Specialty Insurance provides coverage for items that defined as unique or special. Specialty Insurance includes, but is not limited to, liquor liability insurance, special event insurance, etc. Lockton Affinity will design insurance for your organization or association should you have special coverage requirements that they can’t otherwise be insured through a local agent.

Umbrella Liability Insurance

An Umbrella Liability policy provides you coverage over your basic liability coverage. Once you have exhausted the limits on your liability policy your Umbrella Liability insurance can provide you extra coverage on losses not covered by your primary liability insurance.

Workers’ Compensation Insurance

We will design customized Workers’ Compensation coverage to protect your organization from the lost wages and medical costs you may have to pay to an employee who was injured on the job. Due to your organization’s special requirement it may be difficult to find Workers’ Compensation at an affordable rate.