Experts in Cyber Risk Management

​As data breaches have spiked, the need to manage that risk has grown. These breaches can come in the form of the stealing of personal information, freezing computer networks to piracy of intellectual property. The reality is, no company is immune from the risk of a cyberattack.

Fortune Insurance is at the forefront of Cyber Risk Management, helping company identify potential threats and implementing comprehensive Cyber Liability Programs.

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Cyber Risk Management programs include protection for:

• Identity theft as a result of security breaches
• Business interruption a network shutdown.
• Damage to the firm’s reputation
• Costs associated with damage to data records.
• Theft of valuable digital assets, including customer lists, business trade secrets and other similar electronic business assets
• Introduction of malware, worms and other malicious computer code
• Human error leading to inadvertent disclosure of sensitive information
• The cost of credit monitoring services as a result of a security breach
• Lawsuits alleging trademark or copyright infringement

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Standard Coverages

​There are certain risks that impact most companies. We build your insurance program to include a comprehensive set of coverages, including:

• General liability
• Professional liability
• Errors & Omissions
• Directors & Officers
• Property & Vehicle coverage

• Excess & Umbrella coverage
• Worker’s Compensation
• Employment Practices
• Intellectual Property
• Product liability

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Industry-Specific Coverages

Technology

We understand the challenges technology companies face today:  raising capital, recruitment of talent, establishing and maintaining third-party relationships and getting products and services to market. We work with companies across the technology industry from hardware to software to cloud computing.

Industry-specific coverages:
 Technology Errors and Omissions Insurance covers litigation related risks arising from the insured’s performance in the following areas:

• Software and hardware
• Incidental consultancy services in non-IT areas
• Network Privacy

Manufacturing

Manufacturing is the starting point of retail and wholesale industries. Fortune Insurance helps ensure your business and liability coverage is as affordable and comprehensive as possible. We work with all types of material manufacturers, durable and non-durable goods, as well as aerospace companies.

Industry-specific coverage:

• Equipment Breakdown
• Environmental/Pollution
• Inland Marine
• Aviation Products Liability

Construction, Builder’s Risk & Real Estate

​We work with companies such as general contractors, home builders, sub-contractors, road builders, commercial & residential property developers and architects, with special programs available for managing home-flipping and remodeling projects. Our bonding division also helps insure the financial side of the construction business.

Industry-specific coverage:

•  Owners and contractors’ protective liability
• Property and inland
• Contractors professional/contractors’ pollution liability

Healthcare

​We are recognized for our expertise in the healthcare industry, and have forged strong relationships with the most competitive carriers to deliver the best coverages, pricing and services. Our clients range from medical facilities to home healthcare, ambulance services to assisted living facilities.

Industry-specific coverage:

•  Crime
• Abuse/Molestation
• Billing E&O
• Medical Malpractice

Financial & Professional Services, Non-Profits

​Risks related to financial & professional services firms, as well as non-profits are typically people focused, relating to the value of a leadership team or the threat of human error or fraud. 

Industry-specific coverage:

• Fiduciary Liability
• Key Personnel
• Crime

Food & Beverage

​Our Food & Beverage Practice Group offers customized risk management solutions for all segments of the food processing industry including manufacturers, brewers, ingredient handling, factory/store operations, cold storage, food transportation and distribution.

Industry-specific coverage: 

• Product withdrawal expense
• Cost to replace, repair or repurchase
• Cost to notify (including postage and computer expenses)
• Cost of labor to reproduce (including transportation expenses)
• Cost to dispose
• Equipment Breakdown
• Interruption of utility services
• Spoilage and contamination of product

• Mechanical, electrical, pressure and refrigeration systems
• Ammonia contamination
• Consequential Loss
• Dependent Properties
• Food Contamination
• Cost to clean & replace
• Medical testing
• Business Income / Extra Expense
• Seasonal Increase

Hospitality

​From golf courses to restaurants, bars to hotels, we understand the extensive liability exposures facing your industry and can help you put together a program to properly insure your business. 

Industry-specific coverage:

•  Crime
• Equipment Breakdown
• Liquor Liability
• Assault/Abuse
• Management E&O​

Retail & Wholesale

​Whether you operate a brick & mortar retail establishment, a warehouse or an online store, we can help you build a comprehensive insurance program.

Industry-specific coverage:

• Business Income Interruption 
  
• Business Personal Property 
  
• Broadened Pollution Coverage 
  
• Liquor Liability 
  
• Spoilage or Food Contamination

Grant is the consummate professional. He is able to dive into a complex, rapidly evolving business, assess the relevant potential exposure, negotiate the best rates to cover business risks, and then communicate the final package in a way that is readily understood by the organization's stakeholders. Our business needed particularly precise coverage, and his team really took the time to understand how our business works. It made all the difference."

​Keith Petersen - Deputy General Counsel - Gimbal