The Following is a basic description of some common insurance coverages: Property Insurance General Liability Insurance Professional Liability Insurance (Errors or Omissions, E&O) EDP Equipment Bailees Insurance Crime Insurance Auto Insurance Hired and Non-owned Auto Coverage Worker's Compensation Health, Life and Disability Insurance Property Insurance Protects your business real and personal property when it is damaged, lost or destroyed as a result of a covered cause.  Coverage is provided for property at a designated location but, it can be extended to equipment or property while away from the designated premises. Back to the Top G General Liability insurance Protects your business against bodily injury or property damage claims resulting from your business activities on your premises or at your customer's location.  Please note that General Liability insurance does not cover profesional Liability, programming errors, software performance failure or contract disputes.  Separate Professional Liability coverage may be obtained to address these liability exposures.  General Liability coverage is usually purchased with limits of $500,000 or $1,000,000.  higher limits can usually be obtained through a business umbrella policy. Back to the Top G Professional Liability Insurance (Errors or Omissions, E&O) Protects your IT business against claims of financial loss as a result of programming errors, software performance failure or the failure of your work to perform as was agreed upon in your contract with your client. Back to the Top G EDP Equipment Covers your hardware in the event of loss by covered or destruction by certain causes. Back to the Top G Bailees Insurance Provides coverage for someone else's property in your custody. It is important to note that property policies exclude personal property that is not owned by you. Back to the Top G Crime Insurance Coverages are available to protect your IT business from theft by burglary, robbery or employee's dishonest acts. Back to the Top G Auto Insurance Protects your  IT business against claims of Bodily Injury and/or Property damage to others.  Coverage can also be provided for physical damage to your vehicle as a result of an accident or other covered causes. Back to the Top G Hired and Non-owned Auto Coverage Hired auto coverage protects your business if you or an employee rents a vehicle in the company name and an accident occurs.  Non-owned auto coverage protects your company in the event that an employee has an accident using his/her personal auto while on company business. Back to the Top G Worker's Compensation This coverage is required by state law.  It covers your employee's medical expenses and lost wages when they are injured as a result of performing work related activities.  The rates for this coverage are based on  the type of work performed by each employee along with their wages. Back to the Top G Health, Life And Disability Insurance These coverages provide personal protection for you and your employees. These coverages can help attract and retain quality employees in your IT business. Back to the Top G Vellucci Insurance Agency, Inc.  657 Cambridge St. Cambridge MA 02141 E-mail: info@InsureiTech.com   Toll Free: 1-888-240-2277    Fax:  (617) 492-0139