Products

Integrated programs that protect your business.

At Legacy Risk, we work with clients to manage risk and increase value. With access to a full spectrum of carriers, we offer a wide range of resources and products. This allows us to provide the right programs for our clients, custom-tailored to their specific needs. For more information, or to obtain a quote on any of our products, please contact any member of our account management team.

Products and Services

Boiler & Machinery

Commercial property policies typically exclude explosion of steam boilers and breakdown of machinery.

Captive & Self Insurance

Captive insurance is coverage provided by an entity, formed primarily to cover the assets and risks of a company or group of companies.

Cyber Liability

Liability for loss of customer or employee data is not typically covered under a corporate insurance policy.

Employment Practices Liability

As employment law rapidly changes, today’s companies seek coverage for employment suits with employment practices liability insurance.

General Liability

General liability insurance — most commonly referred to as commercial general liability insurance (CGL) — protects against property damages or injuries that occur to others as a result of your business operations.

Product Liability

Product liability protects against the legal liability incurred by injury or damages resulting from the use of a covered product by a contractor, after a job is completed.

Property

Property insurance indemnifies the owner or user of property for its loss, or the loss of its income-producing ability, when the loss or damage is caused by a covered peril such as fire or explosion.

Umbrella & Excess Liability

Designed to provide protection against catastrophic losses, this coverage is generally written over and above various primary liability policies.

Builders’ Risk

Builders’ risk insurance is a special type of property insurance, designed to cover property damage during the course of construction.

Crime

Commercial crime policy is a form of business insurance, designed to protect against losses due to third-party fraud — or even your own employees.

Directors & Officers Liability

Whether your business is public or private, for-profit or not-for-profit, it faces potential claims from employees, clients, competitors, creditors and regulatory agencies.

Environmental

An environmental insurance policy is designed to fill the gap of exclusions that exist in general liability, auto liability and property insurance policies for many commercial and industrial insureds.

OCIP

An owner-controlled insurance program (OCIP) is a centrally procured and managed insurance and risk-control program implemented for a single construction project or a series of construction projects.

Professional Liability

Professional liability insurance is designed to protect professionals against liability incurred as a result of errors and omissions in performing professional services.

Transit & Cargo

Transit insurance provides inland marine coverage on the insured’s property while in transit over land from one location to another. Cargo insurance is inland or ocean marine insurance, covering property in transit.

Workers’ Compensation

Workers’ compensation insurance provides wage replacement and medical benefits to employees injured on the job.

Certain individuals associated with Alera Group Inc. offer investment advisory services through Alera Investment Advisors, LLC; and are registered to offer securities through Triad Advisors, Inc., Member FINRA/SIPC Additional information about individuals registered with FINRA can be found on FINRA's BrokerCheck.

Alera Group Inc., Alera Group, Inc. and Alera Investment Advisors, LLC are not affiliated with Triad Advisors, Inc.