Boiler Contractors Insurance Policy Information
Boiler Contractors Insurance. Boiler systems are essential in heating residential buildings and commercial properties alike, but they also have a wide variety of industrial applications - in the chemical and dairy industries, for example.
Boiler contractors install, service, maintain, clean, and repair boilers and pressure vessels in both commercial and residential settings. Boilers heat water or other fluids to high temperatures within a closed steel container inside a building.
While the steam produced by boilers is not used to heat buildings as often as is was in the past, it continues to be used by manufacturers and processors for cooking and other types of production work.
Losses due to a rupture of a high pressure vessel or an explosion can be catastrophic. Boiler services often focus more on prevention measures such as inspection and maintenance than on repairing actual damage.
State or local certification or licensing is usually required for boiler inspectors. The contractor may provide 24 hour emergency services.
As there will always be a need for these important services, there is no question that boiler contractors can run immensely successful businesses. However, while you will do everything you can to ensure that your operation runs smoothly, the fact remains that even the most skilled and professional boiler contractors face risks.
To protect yourself from the massive financial losses that tend to accompany major perils, it is crucial to invest in a well-designed boiler contractors insurance plan. What types of coverage might boiler contractors require? For a closer look, keep reading.
Boiler contractors insurance protects your boiler installation, service and repair business from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.
Below are some answers to commonly asked boiler contracting insurance questions:
- How Much Does Boiler Contractors Insurance Cost?
- Why Do Boiler Contractors Need Insurance?
- What Type Of Insurance Do Boiler Contractors Need?
How Much Does Boiler Contractors Insurance Cost?
The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small boiler contractors ranges from $47 to $69 per month based on location, type of boilers worked on, revenue, claims history and more.
Why Do Boiler Contractors Need Insurance?
Every commercial venture is, constantly, subject to a broad range of risks. Boiler contractors are no exception, as they will face both the risks common to any business and some threats unique to their own branch of commerce.
Your premises could be impacted by an act of nature, such as a wildfire or earthquake, at any time, or a criminal act such as theft or vandalism could lead to devastating losses. Even an accident can lead to massive property damage.
An employee could become injured on the job, or a client may allege that your work led to a catastrophic malfunction and file a lawsuit. Not all perils can be prevented or even anticipated, no matter how hard boiler contractors try to minimize the risks they face.
Any of these perils could inflict devastating financial damage if your business were responsible for all the resulting costs - in some cases, they could even drive you to bankruptcy.
By investing in comprehensive boiler contractors insurance coverage, you cover all your bases; you ensure that, even if your company were to be confronted by unforeseen circumstances, you have the best chance of recovering.
Your insurance is, in other words, an essential backup plan that takes a great deal of uncertainty out of running your own business.
What Type Of Insurance Do Boiler Contractors Need?
Numerous factors influence the types of coverage a boiler contract should carry to protect their business. The location of your business determines what kinds of insurance are legally mandated.
The size of your business, your number of employers, and the value of the equipment you own are other examples of variables that impact your insurance needs. Because navigating the process of obtaining the appropriate boiler contractors insurance policies is complex, it is always essential to consult a reputable commercial insurance broker who understands the unique risks your business faces.
Boiler contractors should, however, have the following types of coverage on their radar:
- Commercial Property: This type of coverage will protect your company's physical building, but also its contents, in the event that you are affected by perils such as acts of nature, theft, and vandalism. Should this happen, the costs associated with property damage and loss are both covered.
- General liability: Essential for contractors of any type, this kind of boiler contractors insurance helps cover costs arising from lawsuits in which third parties allege that your business was responsible for their personal injury, or damage to their property. It can cover legal fees, but also settlement expenses.
- Workers' Compensation: Should an employee suffer a work-related injury - whether in the form of a trauma such as a fracture, or an occupational illness resulting from exposure to harmful substances - you may be held liable. Workers comp saves you from exorbitant costs by paying for such employees' medical expenses. If they are unable to return to work, lost income is also covered.
- Business Auto: As a boiler contractor, you will certainly rely on multiple vehicles. Commercial vehicles, whether cars, vans, or trucks, need to be protected with commercial auto insurance, in case of accident or damage.
These important forms of coverage may not, mind you, meet a boiler contractor's insurance needs entirely. Other types of boiler contractors insurance you could benefit from include business interruption insurance, cyber insurance, and equipment breakdown insurance.
To discover more, discuss your risk profile with a commercial insurance broker in-depth.
Boiler Contractors' Risks & Exposures
Premises liability exposures are light at the contractor's office or shop due to lack of public access. Outdoor storage may present vandalism and attractive nuisance hazards. Off-site exposures are high as installation of boilers or production machinery can be invasive.
Installation work can affect the entire facility, resulting in a high potential for property damage. The area of operation should be restricted by barriers and proper signage to protect the public from slips and falls over tools, power cords, materials, and scrap.
Welding presents potential for burns or setting fire to property of others if not conducted safely. Falling tools or supplies may cause bodily injury or property damage if dropped from ladders, scaffolding, cranes or helicopters. Pressure-testing of boilers and other pressure vessels may result in explosion or fire.
Personal injury exposures include allegations of assault to the customer, discrimination, and invasion of privacy. Failure to run background checks and review references on employees increases hazard and reduces available defenses.
Completed operations liability exposures can be severe as an improperly installed boiler can explode, resulting in loss of customers' income due to down time. When a unit malfunctions, it may be difficult to determine the cause since it may be due to improper operation and maintenance, faulty system design, faulty manufacture or faulty installation.
Quality control, including work order documentation, and employee training, background, and experience is important. Boiler work has high potential for injury due to exposure to carbon monoxide and other fumes or gases if the heating unit is improperly installed.
The warranties or guarantees offered by the contractor must be reviewed carefully.
Environmental liability exposures may be high if the contractor disposes old equipment which may contain asbestos, PCPs, or other hazardous materials. Spillage and leaking of pollutants can result in high cleanup costs and fines. Disposal procedures must adhere to all EPA and other regulatory standards. Proper written procedures and documentation of both the transportation and disposal process are important.
Workers compensation exposures can be severe as boilers produce extremely hot steam. Scalding and electrical burns are common. Electrocution can occur from the use of high-voltage lines.
Injuries can occur from working with hand tools, slipping or falling, back injuries such as hernias, strains and sprains from lifting or working at awkward positions, foreign objects in the eye, hearing impairment from noise, inhalation of fumes, and cuts from the fabrication and installation of piping.
When work is done on ladders and scaffolds, severe injury or death can occur from falls, being struck by falling objects, or adverse weather conditions. The danger is reduced if there is good maintenance of scaffolds, proper use of basic safety equipment, such as properly installed guards, steel-toed shoes, and eye protection, and strict enforcement of safety practices.
The use, misuse, maintenance and transport of large, heavy machinery can result in crushing. Welding may be done in confined spaces, requiring proper ventilation and safety equipment.
In repair and reinstallation operations, workers may come in contact with old insulation to be removed, some of which may include "friable" (easily crumbled) asbestos. Procedures must be in place to identify and handle this exposure.
Property exposures at the contractor's premises are generally limited to an office and storage of products, materials, equipment, and vehicles. Ignition sources include electrical wiring, heating and air conditioning systems, wear, and overheating of equipment.
Welding or brazing work conducted at the shop and storage of welding tanks and gases at any location can significantly raise the fire hazard. Welding should be done in either a separate room or with flash/welding curtains away from flammables.
Inland marine exposures include accounts receivable if the contractor offers credit to customers, computers, contractors' equipment and tools, including hoists and portable welders, goods in transit, installation floater, and valuable papers and records for customers' and suppliers' information. Backup copies of all data should be stored off premises.
Contractors' machinery, tools, or building materials left at job sites may be damaged by theft, vandalism, wind and weather, and by employees of other contractors. Contractors may lease, rent or borrow equipment from others or may lease out, rent or loan items to others, which poses additional risk as the operator may be unfamiliar with the operation of the borrowed item.
If boilers or pressure vessels are lifted by crane for installation or retrofit, or dropped into place by helicopters, they may be damaged by drops and falls from heights. Since an accident may trigger both the equipment and installation coverages, as well as possible third-party liability, many contractors prefer to hire a crane or helicopter with a licensed operator.
Goods in transit consist of products purchased by the customer for installation at the job site. Heating units and production machinery can be of high value and susceptible to damage in transit, requiring expertise in loading to prevent load shift or overturn.
There is an installation floater exposure when the units to be installed are delivered to the site in advance of the installation.
Crime exposure is primarily from employee dishonesty, including theft of customers' goods by employees. Background checks, including criminal history, should be performed on all employees prior to hiring.
There must be a separation of duties between persons handling deposits and disbursements and reconciling bank statements. Copper tubing used for repair work on boilers can attract thieves.
Commercial auto exposures are generally limited to transporting workers, equipment and supplies to and from job sites. MVRs must be run on a regular basis. Random drug and alcohol testing should be conducted.
Vehicles must be well maintained with records kept in a central location. Vehicles may have special modifications or built-in equipment such as lifts and hoists for transporting large boilers or pressure vessels to job sites. These may be awkward and require special handling and tie-down procedures.
Commercial Insurance And Business Industry Classification
- SIC CODE: 1711 Plumbing, Heating, Air-Conditioning, 7699 Repair Shops and Related Services, Not Elsewhere Classified
- NAICS CODE: 811310 Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance, 238220 Plumbing, Heating, and Air-Conditioning Contractors
- Suggested ISO General Liability Code(s): 91250 Boiler Inspection, Installation, Cleaning or Repair, 99165 Steam Pipe or Boiler Insulation, 98483 Plumbing - Residential or Domestic
- Suggested Workers Compensation Code(s): 3726 Boiler - Installation or Repair - Steam, 8720 Inspection of Risks for Insurance or Valuation Purposes NOC, 5183 Plumbing NOC & Drivers
Description for 1711: Plumbing, Heating and Air-Conditioning
Division C: Construction | Major Group 17: Construction Special Trade Contractors| Industry Group 171: Plumbing, Heating And Air-conditioning
1711 Plumbing, Heating and Air-Conditioning: Special trade contractors primarily engaged in plumbing, heating, air-conditioning, and similar work. Sheet metal work performed by plumbing, heating, and air-conditioning contractors in conjunction with the installation of plumbing, heating, and air-conditioning equipment is included here, but roofing and sheet metal work contractors are classified in Industry 1761. Special trade contractors primarily engaged in electrical work are classified in Industry 1731.
- Air system balancing and testing-contractors
- Air-conditioning, with or without sheet metal work-contractors
- Boiler erection and installation-contractors
- Drainage system installation, cesspool and septic tank-contractors
- Dry well construction, cesspool-contractors
- Fuel oil burner installation and servicing-contractors
- Furnace repair-contractors
- Gas line hookup-contractors
- Heating equipment installation-contractors
- Heating, with or without sheet metal work-contractors
- Lawn sprinkler system installation-contractors
- Mechanical contractors
- Piping, plumbing-contractors
- Plumbing and heating-contractors
- Plumbing repair-contractors
- Plumbing, with or without sheet metal work-contractors
- Refrigeration and freezer work-contractors
- Sewer hookups and connections for buildings-contractors
- Sheet metal work combined with heating
- Solar heating apparatus-contractors
- Sprinkler system installation-contractors
- Steam fitting-contractors
- Sump pump installation and servicing-contractors
- Ventilating work, with or without sheet metal work-contractors
- Water pump installation and servicing-contractors
- Water system balancing and testing-contractors
Description for 7699: Repair Shops and Related Services, Not Elsewhere Classified
Division I: Services | Major Group 76: Miscellaneous Repair Services | Industry Group 769: Miscellaneous Repair Shops And Related Services
7699 Repair Shops and Related Services, Not Elsewhere Classified: Establishments primarily engaged in specialized repair services, not elsewhere classified, such as bicycle repair; leather goods repair; lock and gun repair, including the making of lock parts or gun parts to individual order; musical instrument repair; septic tank cleaning; farm machinery repair; furnace cleaning; motorcycle repair; tank truck cleaning; taxidermists; tractor repair; and typewriter repair.
- Agricultural equipment repair
- Antique repair and restoration, except furniture and automotive
- Awning repair shops
- Beer pump coil cleaning and repair service
- Bicycle repair shops
- Binoculars and other optical goods repair
- Blacksmith shops
- Boiler cleaning
- Boiler repair shops except manufacturing
- Bowling pins, refinishing or repair
- Camera repair shops
- Catch basin cleaning
- Cesspool cleaning
- China firing and decorating to individual order
- Cleaning and reglazing of baking pans
- Cleaning bricks
- Coppersmithing repair, except construction
- Covering textile rolls
- Dental instrument repair
- Drafting instrument repair
- Engine repair, except automotive
- Farm machinery repair
- Farriers (blacksmith shops)
- Fire control (military) equipment repair
- Furnace and chimney cleaning
- Furnace cleaning service
- Gas appliance repair service
- Glazing and cleaning baking pans
- Gun parts made to individual order
- Gunsmith shops
- Harness repair shops
- Industrial truck repair
- Key duplicating shops
- Laboratory instrument repair, except electric
- Lawnmower repair shops
- Leather goods repair shops
- Lock parts made to individual order
- Locksmith shops
- Luggage repair shops
- Machinery cleaning
- Mattress renovating and repair shops
- Measuring and controlling instrument repair, mechanical
- Medical equipment repair, except electric
- Meteorological instrument repair
- Microscope repair
- Mirror repair shops
- Motorcycle repair service
- Musical instrument repair shops
- Nautical and navigational instrument repair, except electric
- Organ tuning and repair
- Piano tuning and repair
- Picture framing to individual order, not connected with retail art
- Picture framing, custom
- Pocketbook repair shops
- Precision instrument repair
- Reneedling work
- Repair of optical instruments
- Repair of photographic equipment
- Repair of service station equipment
- Repair of speedometers
- Rug repair shops, not combined with cleaning
- Saddlery repair shops
- Scale repair service
- Scientific instrument repair, except electric
- Septic tank cleaning service
- Sewer cleaning and rodding
- Sewing machine repair shops
- Sharpening and repairing knives, saws, and tools
- Ship boiler and tank cleaning and repair-contractors
- Ship scaling-contractors
- Stove repair shops
- Surgical instrument repair
- Surveying instrument repair
- Tank and boiler cleaning service
- Tank truck cleaning service
- Tent repair shops
- Thermostat repair
- Tinsmithing repair, except construction
- Tractor repair
- Tuning of pianos and organs
- Typewriter repair, including electric
- Venetian blind repair shops
- Window shade repair shops
Boiler Contractors Insurance - The Bottom Line
To protect your company, employees and customers, having the right boiler contractors insurance coverage is important. To see what types of policy options are available to you, how much coverage you should have and related costs - speak to a reputable commercial insurance broker.
Types Of Small Business Insurance - Requirements & Regulations
Perhaps you have the next great idea for a product or service that you know will appeal to your local area. If you've got a business, you've got risks. Unexpected events and lawsuits can wipe out a business quickly, wasting all the time and money you've invested.
Operating a business is challenging enough without having to worry about suffering a significant financial loss due to unforeseen and unplanned circumstances. Small business insurance can protect your company from some of the more common losses experienced by business owners, such as property damage, business interruption, theft, liability, and employee injury.
Purchasing the appropriate commercial insurance coverage can make the difference between going out of business after a loss or recovering with minimal business interruption and financial impairment to your company's operations.
Insurance is so important to proper business function that both federal governments and state governments require companies to carry certain types. Thus, being properly insured also helps you protect your company by protecting it from government fines and penalties.
Small Business Insurance Information
In the business world, there are many risks faced by company's every day. The best way that business owners can protect themselves from these perils is by carrying the right insurance coverage.
The The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight.
Commercial insurance is particularly important for small business owners, as they stand to lose a lot more. Should a situation arise - a lawsuit, property damage, theft, etc. - small business owners could end up facing serious financial turmoil.
According to the SBA, having the right insurance plan in place can help you avoid major pitfalls. Your business insurance should offer coverage for all of your assets. It should also include liability and casual coverage.
Types Of Small Business Insurance
Choosing the right type of coverage is absolutely vital. You've got plenty of options. Some you'll need. Some you won't. You should know what's available. Once you look over your options you'll need to conduct a thorough risk assessment. As you evaluate each type of insurance, ask yourself:
- What type of business am I running?
- What are common risks associated with this industry?
- Does this type of insurance cover a situation that could feasibly arise during the normal course of doing business?
- Does my state require me to carry this type of insurance?
- Does my lender or do any of my investors require me to carry this type of policy?
A licensed insurance agent or broker in your state can help you determine what kinds of coverages are prudent for your business types. If you find one licensed to sell multiple policies from multiple companies (independent agents) that person can often help you get the best insurance rates, too. Following is some information on some of the most common small business insurance policies:
|Business Insurance Policy Type||What Is Covered?|
|General Liability Insurance||What is covered under commercial general liability insurance? It steps in to pay claims when you lose a lawsuit with an injured customer, employee, or vendor. The injury could be physical, or it could be a financial loss based on advertising practices.|
|Workers Compensation Insurance||What is covered under workers compensation insurance? This type of insurance protects a business and its owner(s) from claims by employees who suffer a work-related injury, illness or disease. Workers comp typically provides the injured employee with benefits to cover medical expenses, a portion of his/her lost wages, rehabilitation costs if applicable, and permanent partial or permanent total disability.|
|Product Liability Insurance||What is covered under product liability insurance? I pays an injured party's settlement or lawsuit claim arising from a defective product. These are usually caused by design defects, manufacturing defects, or a failure to provide adequate warning or instructions as to how to safely use the product.|
|Commercial Property Insurance||What is covered under business property insurance? General liability policies don't cover damages to your business property. That's what commercial property insurance is for. It protects all of the physical parts of your business: your building, your inventory, and your equipment, giving you the funds you need to replace them in the event of a disaster. If you work from home, you might consider a Home Based Business Insurance policy instead.|
|Business Owners Policy (BOP)||What is covered under a business owners policy (BOP)? This is a policy designed for small, low-risk businesses. It simplifies the basic insurance purchase process by combining general liability policies with business income and commercial property insurance.|
|Commercial Auto Insurance||What is covered under business auto insurance? This type of insurance covers automobiles being used for business purposes. This could include a fleet of business-only vehicles or a single company car. In some cases it might cover your car or your employee's car while they're being used for business. These policies have much higher limits, ensuring you can cover your costs if one of these vehicles gets into an accident.|
|Commercial Umbrella Policies||What is covered under commercial umbrella insurance? This type of policy is a sort of "gap" insurance. It covers your liability in the event that a court verdict or settlement exceeds your general liability policy limits.|
|Liquor Liability Insurance||What is covered under liquor liability insurance? It covers bodily injury or property damage caused by an intoxicated person who was served liquor by the policy holder.|
|Professional Liability (Errors & Omissions)||What is covered under professional liability insurance? This type of business insurance is also known as malpractice oe E&O. It covers the damages that can arise from major mistakes, especially in high-stakes professions where mistakes can be devastating.|
|Surety Bond||What is covered under surety bonds? Bonding is a contract where one party, the SURETY (who assures the obligee that the principal can perform the task), guarantees the performance of certain obligations of a second party, the PRINCIPAL (the contractor or business who will perform the contractual obligation), to a third party, the OBLIGEE (the project owner who is the recipient of an obligation).|
Who Needs General Liability Insurance? - Virtually every business. A single lawsuit or settlement could bankrupt your business five times over. You might also need this policy to win business. Many companies and government agencies won't do business with your company until you can produce proof that you've obtained one of these policies.
Business Insurance Required by Law
If you have any employees most states will require you to carry worker's compensation and unemployment insurance. Some states require you to insure yourself even if you are the only employee working in the business.
Your insurance agent can help you check applicable state laws so you can bring your business into compliance.
Other Types Of Small Business Insurance
There are dozens of other, more specialized forms of small business insurance capable of covering specific problems and risks. These forms of insurance include:
- Business Interruption Insurance
- Commercial Flood Insurance
- Contractor's Insurance
- Cyber Liability
- Data Breach
- Directors and Officers
- Employment Practices Liability
- Environmental or Pollution Liability
- Management Liability
- Sexual Misconduct Liability
Whether you need any or all of these policies will depend on the results of your risk assessment. For example, you probably don't need an environmental or pollution policy if you're running an IT company out of a leased office, but you would need data breach and cyber liability policies to fully protect your business.
Also learn about small business insurance requirements for general liability, business property, commercial auto & workers compensation including small business commercial insurance costs. Call us (855) 767-7828.
Additional Resources For Contractors & Home Improvement Insurance
Learn about small business contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your contracting business from lawsuits.
- Air Conditioning Systems Installation Repair
- Appliance Repair & Service
- Blacksmith & Metal Workers
- Boat Repair & Dry Docks
- Boiler Contractors
- Builders Risk
- Building Cleaning & Maintenance Services
- Cabinet Installer
- Cable And Satellite TV Installer
- Chimney Sweep
- Cistern Contractors
- Contractor Liability
- Curtain Cleaners
- Deck Builders
- Door And Window Installers
- Dryer Vent Cleaning
- Drywall Contractor
- Electrical Contractors
- Environmental Remediation Contractors
- Fence Installation
- Fire Sprinkler Contractors
- Fire & Water Restoration Contractors
- Flooring Contractor
- Furniture Repair
- Garage Door Installer And Repair
- General Contractors
- Glass Contractor
- Glazier Insurance
- Gutter Installation And Repair
- House Cleaning
- HVAC Contractor
- Insulation Contractor
- Janitorial Cleaning Services
- Lawn Care
- Lawn Irrigation Sprinkler System Installation
- Oil And Gas Well Drilling Contractors
- Paperhanging Contractors
- Plastering And Stucco Contractor
- Pressure Washing Contractors
- Propane And Fuel Dealers
- Rug, Upholstery & Carpet Cleaning
- Sandblasting Contractors
- Security Alarm
- Septic Tank Cleaning
- Siding Contractor
- Sign Installation & Repair
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Surety Bonds
- Swimming Pool Contractor
- Swimming Pool Service And Maintenance
- Tool Grinding And Repair
- Tree Surgeon
- Tree Trimming
- Tank Cleaners
- Upholstery Shop
- Waste Haulers & Garbage Collection
- Water Well Drilling
- Welding Contractor
- Wildlife & Pest Control
- Window Cleaning
A contractor that wants to begin or stay in business, liability coverage must be obtained for the premises or operations, off-site locations and products/completed operations exposures. These coverages may be included as a part of a businessowners policy (BOP) or purchased in a commercial general liability (CGL) policy. Owners and contractors protective liability and railroad protective liability coverages may also be required in certain cases in order for a contractor to obtain a particular job.
Physical damage coverage for tools, supplies and equipment, both on and off the contractor's premises, is a concern. Liability exposures at the premises of the contractor, and at the premises of the contractor's customer, must be properly addressed along with completed operations. Business insurance is very important as is workers compensation insurance protection for employees.
Contractors may work under a general contractor as a subcontractor in larger construction projects - like a new commercial site or residential subdivision. They can work on smaller projects directly with a home owner, usually specializing in renovations or remodels.
In business insurance speak, often called 'artisan contractors' or 'casual contractors', they are involved in many aspects of construction and contracting work – and include various trades and skills. Carpenters, painters, plumbers, electricians, roofers, tree trimmers, landscaping are just a few examples. They may do roofing, fencing, drywall, tile work and many other trades that involve skilled work with tools at the customer's premises.
An artisan contractor performs a single trade or job, and each has its own specialized liability needs with its own exposures to risk and accidents. Contractors liability insurance can offer coverage for bodily injury, property damage, advertising injury and medical payments.
Most artisan contractors should have commercial general liability at the very least, but many need broader coverages - like an umbrella to increase their limits of liability, inland marine policy to protect their tools, workers compensation if they have employees, and even commercial auto if they use vehicles for business purposes.
Minimum recommended small business insurance coverage: Business Personal Property, Employee Dishonesty, Contractors' Equipment and Tools, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability and Physical Damage, Hired and Non-owned Auto & Workers Compensation.
Other commercial insurance policies to consider: Building, Business Income with Extra Expense, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivable, Builders Risk, Computers, Goods in Transit, Installation Floater, Valuable Papers and Records, Cyber Liability, Employment-related Practicesand Stop Gap Liability.