01 What is General Liability?
General liability is a standalone insurance policy that protects your business from claims of bodily harm, personal injury, and property damage caused by your business operations or products to a third party.
If your business interacts with any customers or clients, you need a general liability insurance to protect your business against financial loss due to claims involving bodily injury, personal injury, or damage to property that your business is liable. In some cases, your clients may even require that you provide a proof of general liability insurance before they can work with you.

• Bodily Injury – for example, someone trips, slips, or falls at your business location and sues you for bodily injury claims. Your general liability insurance can help cover the clients medical bill and your legal expenses.

• Property Damage – for example, you or your employee broke a client's property, and the client files a lawsuit

• Advertising and Personal Injury – for example, you are sued for infringement of copyright, or you said or wrote something that damaged someone’s reputation

General liability insurance does not cover damage to your business property, employee injuries, cyber liability, professional liability, employment practices liability, and auto insurance.
The cost of a general liability insurance varies depending on the business risk. Please call us to tailor the right coverage for you.
Proof of Insurance is available through the insurer. Contact Mulberri at (877) ON-BERRI if you have questions.
General liability claims can be filed via online on the insurer's website or by phone, 24/7.
General Liability policy is available through your insurer
01 What is Cyber insurance?
Cyber insurance protects your business against losses resulting from cyber attacks, data breaches.
Cyberattacks and data breaches are expensive and becoming more common. Generally, small businesses are easy taregets for cyber criminals and identity thieves because they typically have less security in place than larger companies.
Cyber liability insurance can cover costs associated with data breaches and cyber attacks on your business. However, Cyber Liability Insurance coverage varies by insurer.
Cyber Liability Insurance does not cover, examples include Mistakes and oversights; Professional negligence, Sales Losses, Bodily Injury and Property Damage
The cost of cyber liability insurance varies depending on the business risk. Please call us to tailor the right coverage for you.
Proof of Insurance is available through the insurer. Contact Mulberri at (877) ON-BERRI if you have questions.
Inform your insurer as soon as the cyber attack, data breach occurs; prepare for investigation; develop a response plan
Cyber policy is available through your insurer
01 What is Business Owners Policy?
Business Owners Policy (BOP) is property and general liability coverage combined into a single insurance policy. It is designed to cater to small and medium businesses, though not all type of business and risk qualifies for BOP. Businesses with up to $5M in revenue and 50 employees are good candidates for a business owners policy.

You need business owners policy to protect you and your clients.

A BOP protects your business location and assets and helps cover your lost income due to business disruption. The general liability portion of BOP covers your business against claims made by a third party involving bodily harm, personal injury, or property damage arising from your business operations.

Property coverage includes building (rented or owned), business personal property or contents of your building, lost income due to business interruption, and equipment breakdown.

General liability coverage protects your business against claims of bodily injury, property damage, or personal and advertising injury.

Additional coverages do not come with BOP by default but can be purchased as endorsements or separate policies to cover specific business needs such as professional liability, cyber liability, employment practices liability, and water backup and sump overflow.

Business owners policy does not cover workers compensation, health and disability insurance, and auto insurance.

A typical BOP coverage does not include cyber liability, professional liability, and employment practices liability. These coverages can be purchased separately if provided by the carier.

The cost of a business owners policy insurance varies depending on the business risk. Please call us to tailor the right coverage for you.
Proof of Insurance is available through the insurer. Contact Mulberri at (877) ON-BERRI if you have questions.
Business Owners Policy claims can be filed via online on the insurer's website or by phone, 24/7.
Business Owners Policy is available through your insurer.
01 What is Worker's Compensation?
Worker's Compensation Insuance provides medical and wage benefits to people for work-related injuries and illnesses. The coverage is mandated by each state and the wage and medical benefits vary by state.
Is is required in most states; It helps injured workers get the help they need; It helps businesses avoid the real cost of an employee’s medical expenses and lost wages following a workplace injury or illness.
Worker's Compensation Insurance provides basic benefits, including medical care, temporary disability benefits, permanent disability benefits, supplemental job displacement benefits and a return-to-work supplement, and death benefits.
It is determined on a case-by-case basis, some examples include: Intoxication; intentional act; Illegal activities; policy violations; terminated employees etc.
The cost for workers’ compensation insurance depends on several factors unique to each business (annual payroll, industry, type of work, claims history, states where employees are located) . So, there’s no standard cost for workers’ comp insurance.
Proof of Insurance is available through the insurer. Contact Mulberri at (877) ON-BERRI if you have questions.
Threre are a few steps in the process: The first step is for the employee to report injury to their employer; The employer guides the injured employee on necessary paperwork; 3. The employer reports the injury and files the claim;, 4. The insurer approves or denies the claim
Worker's Compensation policy is available through your insurer
01 What is Professional Liability?
Professional liability insurance helps cover you and your company if you make a mistake in the professional services given to a customer or client. This coverage is also known as errors and omissions insurance (E&O).
If you sell expertise you need professional liabiliity insurance to protect against customer claims of late, incomplete or unsatisfactory work.
Professional liability insurance provides coverage for professionals and businesses to protect against claims of negligence from clients or customers. Professional liability insurance typically covers negligence, copyright infringement, personal injury, and more.
Professional liability doesn't protect a business against: Bodily injury or property damage that customers or clients suffer while you're doing business
The cost of a professional liability insurance varies depending on the business risk. Please call us to tailor the right coverage for you.
Proof of Insurance is available through the insurer. Contact Mulberri at (877) ON-BERRI if you have questions.
Professional Liability claims can be filed via online on the insurer's website or by phone, 24/7.
Professional Liability is available through your insurer.
01 What is Employment Practices Liability?
Employment Practices Liability Insurance (EPLI) covers businesses against claims by workers that their legal rights as employees of the company have been violated.

EPLI provides protection against many kinds of employee lawsuits, including claims of:

Sexual harassment, Discrimination, Wrongful termination, Breach of employment contract and more.

Employment Practices Liability Insurance (EPLI) includes coverage for defense costs and damages related to various employment-related claims including allegations of Wrongful Termination, Discrimination, Workplace Harassment and Retaliation.
EPLI doesn't cover claims for bodily injury, intentional acts like battery, criminal conduct, and privacy violations. EPLI also excludes wage and hour claims or only provide limited coverage to include defense costs, not repayment of back wages.
The cost of a employment practices liability insurance varies depending on the business risk. Please call us to tailor the right coverage for you.
Proof of Insurance is available through the insurer. Contact Mulberri at (877) ON-BERRI if you have questions.
Employment Practices Liability Insurance claims can be filed via online on the insurer's website or by phone 24/7.
Employment Practices Liability Insurance is available through your insurer.