Ensuring Success in Professional Services with Fulcro’s STACK

Operating a professional services business—whether it’s consulting, legal, accounting, or any other field—comes with its own set of unique risks and challenges. Ensuring that your business is adequately insured is crucial to its continued success. Fulcro’s STACK initiative offers pre-packaged insurance solutions tailored specifically for professional services. These packages provide comprehensive coverage based on your unique clients, offerings, and challenges. With STACK, you can protect your practice, employees, and clients against various liabilities and damages, allowing you to focus on growing your business.

Comprehensive Insurance Solutions for Professional Services

Fulcro’s STACK initiative provides a wide range of insurance coverages designed to address the specific needs of professional services businesses. Here’s a detailed look at the essential coverages included in our packages:

• Professional Liability Insurance (Errors & Omissions): Professional Liability Insurance protects against claims of negligence, errors, or omissions in the services provided. This coverage is essential for safeguarding your practice from legal claims that can arise from professional mistakes or oversights.
• General Liability Insurance: General Liability Insurance covers third-party claims for bodily injury, property damage, and personal injury occurring on your business premises. This is crucial for protecting your business against potential lawsuits and liability claims.
• Commercial Personal Property (Content/Inventory) Insurance: This coverage protects your business’s inventory and contents from events like fire, theft, vandalism, and certain weather-related incidents. Ensuring your office equipment and materials are covered can save your business from significant financial loss.
• Business Interruption Insurance: Business Interruption Insurance compensates for lost income and operating expenses if your business has to close temporarily due to a covered event like fire or a natural disaster. This coverage helps keep your business afloat during recovery periods.
• Workers’ Compensation Insurance: Workers’ compensation is required by law and provides coverage for employees against work-related injuries. It includes the cost of care, rehabilitation, and lost wages incurred by employees while recovering from an injury or illness.
• Commercial Auto Insurance: Any vehicles used for your business must be covered by commercial auto insurance. Personal auto policies typically don’t cover losses incurred from business use, so adding personal vehicles under a non-owned auto clause to your commercial policy is essential.
• Employment Practices Liability Insurance (EPLI): EPLI shields your business against claims of wrongful termination, discrimination, harassment, and other employment-related issues. This coverage is vital for protecting your business from employment-related lawsuits.
• Cyber Liability Insurance: Cyber Liability Insurance protects against financial loss and liabilities due to data breaches or cyberattacks. It includes costs of notification, credit monitoring, and legal fees, ensuring your business is protected in the digital age.
• Equipment Breakdown Insurance: Equipment Breakdown Insurance covers mechanical, electrical, and computer equipment failures, including the cost to repair or replace damaged equipment. This coverage is essential for maintaining the operational efficiency of your business.
• Business Owner’s Policy (BOP): A Business Owner’s Policy (BOP) provides a bundled insurance solution covering general liability, commercial property, and business income insurance at a lower cost. However, BOPs have limited scope and might not cover all your needs. For more flexibility, a Commercial Package Policy (CPP) allows you to add or drop specific coverages, offering a tailored insurance program.
• Crime Insurance: Crime Insurance protects against losses from theft, burglary, and other crimes that can affect your business. This coverage ensures that your business is safeguarded against financial losses due to criminal activities.

Partner with Fulcro

Choosing the right insurance solutions is crucial for the success and protection of your professional services business. Fulcro’s STACK simplifies this process by offering comprehensive, tailored insurance packages designed to meet your unique needs. By partnering with Fulcro, you gain access to specialized expertise and robust insurance solutions that safeguard your business from various risks.

Get in Touch

Ensure your restaurant is fully protected with the right insurance coverage. Contact one of our insurance specialists to review your current insurance programs and learn more about how Fulcro can provide comprehensive protection tailored to your specific needs. Let us take care of your insurance, so you can focus on running a successful restaurant.

By partnering with Fulcro you can navigate the challenges of the restaurant industry with confidence, knowing your business is protected against the unexpected. Reach out to us today to secure your restaurant’s future