A Captive is an Insurance Company owned by Your Business or a Group of Businesses that combine for the common purpose of funding business risk. It is a formalized form of self-insurance involving assumption of a large deductible and funding financial losses that you incur.
Data Breach / Cyber Liability
Most states including Delaware have laws addressing computer security breaches and violations may include notifications to all customers in the data base, credit file monitoring for victims, forensic investigations by security experts and possible fines or legal action by the State’s Attorney General.
Restaurants & Hotels
From food trucks to franchises we are here to protect your business. In an industry that can take several years until profitability, a tailored insurance program can help your business to weather the elements. For a restaurant, it is important no to to insure not just your property and liability exposures, but also your exposure to loss of income.
Condo & Homeowner Associations
Protect yourself and your community. Are you are looking to insure the property of the association? (the clubhouse, pool, playground, sign, etc…) Maybe you are worried about the liability associated with your ponds or lakes in which people fish. Big or small, coastal or inland L&W will help make sure that when things do go wrong, you can still talk to your neighbors.