Specialty Lines Insurance  

Your business has unique requirements and must plan for many unexpected scenarios. Ralph Wilson Agency can help you cover specialty events through its network of top carriers. If you can imagine it, we've probably tried to insure it. 

Directors & Officers Liability Insurance

Employees, suppliers, investors, and other stakeholders may try to sue your directors and officers for actual or alleged wrongdoing during their leadership. Your company can protect them, their spouse, and their assets with directors & officers (D&O) liability insurance. 

Employment Practices Liability Insurance 

An employee may claim that your company violated their legal rights as an employee. Employment practices liability insurance protects the company against lawsuits, such as discrimination, wrongful termination, or breach of their employment contract. 

Errors & Omissions Liability Insurance

Services companies providing advice should carry errors and omissions liability insurance. It protects your organization from customer suits — often covering legal fees and settlements to an agreed-to amount. 

Crime Insurance 

Crime insurance covers threats to businesses and nonprofits. These may include damage to company property, employee crime, fraud, and theft, among other dangers. 

Inland & Ocean Marine Insurance 

Marine insurance is complicated, but Ralph Wilson Agency can guide you through the process. Ocean marine insurance protects cargo traveling from loss or damage, while inland marine insurance covers it in storage. 

Builders Risk Insurance 

Contractors face significant risks during renovations and new construction. Ralph Wilson Agency can help cover the property, materials, team members, and your bottom line.  

Fiduciary Liability Insurance 

Employees may try to hold the managers or administrators of their employee benefits plan legally responsible for actions related to their benefits. Fiduciary liability insurance protects administrators against accusations of mismanagement of their employee benefits plan.     

Kidnap, Ransom & Extortion Insurance 

Criminals pose a risk to your employees, especially when traveling abroad. This type of insurance can provide support and protection in such a crisis. 

Earthquake & Flood Insurance 

Earthquake and flood insurance are specialty policies not typically covered as part of a commercial property policy. Ralph Wilson Agency can make sure your real estate is sufficiently protected.  

Excess/Umbrella Insurance 

Excess insurance provides additional coverage when your general liability, E&O, or other insurance contracts reaches their contractual limits. Commercial umbrella insurance provides this additional protection across multiple policies.