We design tailor-made insurance programs to match your unique business requirements.

Are you an independent business owner with specific insurance needs? At Lockton Affinity, we have been serving the needs of small businesses like yours for over 29 years.  We help shelter your business from unforeseen exposures. Our internal structure, global insurance reach and long-established relationships with the top-rated insurance carriers, enables us to design customized insurance and administration programs.

Lockton Affinity is vertically integrated, combining the administration of an insurance company with the value-added services of an insurance broker. Our relationships with insurance carriers enables us aggregate buying power to offer competitive rates on premium. We offer experienced insurance marketing, sales and account management expertise to every partner we work with.

The benefits of the insurance program we build for you are flexible coverage, limit options and a quick and easy Ecommerce enrollment solution.

Lockton Affinity provides insurance coverage
to over 40,000 small businesses nationwide.

Coverage offerings

Business Owner’s Policy

You have a lot of time and money invested in your business. Our Business Owners Policy, or “BOP”, covers the costs from damage to your building, equipment or liability from a third party. We design customized property and general liability protection tailored to handle the specific needs of your business. Professional Liability is normally not included within a BOP, so you will need a separate policy for Professional Liability coverage.

Umbrella Insurance

An Umbrella Liability policy provides your additional liability coverage in the event you want coverage above and beyond your primary policy limits. Typically an Umbrella policy provides these limits over those already contained in the General Liability and Auto Liability policies. Our team members work with you to review your current policy and consult on how to structure you additional coverage.

Commercial Auto Insurance

If you use vehicles as part of your business operations, a commercial auto policy should be included in 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 you 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.

Workers’ Compensation Insurance

Workers’ Compensation is a state regulated insurance program which helps ensure that employees who suffer job-related injuries and illness can get the care they need. State statutes vary and determine not only what injuries are covered but also whether the insurance is mandatory for you to secure. Using our nationwide experience we’re able to advise you on what’s required of you and how this coverage takes care of your employees.

Professional Liability (E&O) Insurance

Professional Liability Insurance covers the cost of certain legal fees and judgments/settlements that you may face as a result of claims and lawsuits against you based on the advice or services you provide. Your Professional Liability insurance solution is based on your business model and services so you receive coverage that meets your needs.

Employment Practices Liability (EPL) 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.

Management (D&O) Liability Insurance

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

Cyber Liability Insurance

Cyber Liability Insurance protects you from the high costs resulting from any theft or breach of your client’s data. In addition, our Cyber Liability coverage provides notification services to help you with the legal requirements which could cost up to $30 per affected record. Cyber Liability coverage is available as an add on to your Professional Liability policy or as a stand-alone policy that works in tandem with your Professional Liability Insurance policy and offers first-party coverage.

Additional coverage offered

Industry experts

Our experienced insurance experts want to speak with you about you and your organization’s insurance needs. We will help you design an insurance solution that meets your coverage requirements.

Steve Eginoire
Chief Executive Officer, Producer

Patrick O’Farrell

Industry insights

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