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  • Cargo Insurance often involves complex issues of domestic and international law and insurance. We can find solutions that meet your needs.
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  • Owners of every type of yacht, boat or marine business can cast off with confidence and save on insurance with specialized marine coverage.
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  • High net worth homeowners often overpay for residential insurance that exposes their wealth to risk. The right coverage reduces risk and cost.
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  • Commercial Property Insurance covers business loss from fire, theft and vandalism, including the cost to rebuild or repair businesses properties.
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    • Commercial
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  • Private and corporate art collectors, commercial galleries and private art dealers require Fine Art Insurance to protect art works and collections.
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  • Commercial Liability Insurance can cover medical and legal costs if injuries and/or property damage occur during the course of business.
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Media Liability

Media Liability Insurance protects individuals and businesses involved in offline and online publishing via publications, websites, Facebook, Twitter, Google+ and other social media outlets and blogs from costs that could arise from libel suits. Libel is generally defined as “a false statement put in writing that harms the reputation of a living person and can be read by someone other than that person.” 

Media LiabilityAny company or organization that distributes information to the public via a web site, blog, desktop publishing or email now faces the same liability risks as traditional media outlets, including radio and television stations and newspaper, magazine and book publishers. Each type of media organization requires media liability insurance but need different types of coverage based on their activities and size. 

In recent years Media Liability coverage has been modified to include coverage for online content. A typical policy will cover:

  • Libel, slander and defamation
  • Invasion of privacy
  • Plagiarism, piracy and misappropriation of property rights
  • Copyright infringement
  • Errors and omission and false or misleading statements

Media liability coverage has been around for years, but over the past few years, they’ve modified the coverage to extend to online content. 

To learn more about Media Liability and protecting your publishing activities, contact Golden Global Insurance at 305-899-5125.

 

Cyber Liability

There is growing evidence that almost every business should be concerned about online threats. There are smart steps companies can take to reduce the risk of online attacks and there are a variety of insurance options that can help. Consider recent research regarding online threats to American business:

• A survey by Chubb Group of Insurance Companies found that 65 percent of public companies go without cyber insurance – even though they identify cyber risks as their number one concern. 

• A study by cyber security firm ClickCloud recently presented as testimony before a U.S. House committee found that 75% of small companies think their companies are safe from hackers despite the evidence that 20% of attacks strike companies with 250 or less employees and 60% of those companies went out of business within 6 months. 

• In 2005, less than one-third of businesses surveyed by the FBI had cyber liability or insurance for cyber fraud in place, today more than 60% of businesses have some form of cyber liability insurance in place, according to an article, Cyber Liability Coverage: Protection Against Network & Data Breaches by Gregory Boop published in About.com.

Cyber liability coverage covers unauthorized use of, or unauthorized access to, electronic data or software and can also provide coverage for liability claims for spreading a virus or malicious code, computer theft, extortion, or any unintentional act, mistake, error, or omission made by your employees while performing their job.

Cyber Liability policies can be customized to meet the needs of the business. An e-commerce retailer will have different needs than a brick and mortar retailer with a limited online presence. Factors that can impact coverage include the business size, number of customers, types of data stored (credit car information, medical records, and financial documents can involve additional risk) and security systems in place will impact the cost of the premium.

Insurance companies often require detailed information on security systems, including technology, software and employee training. Issues that may be considered as part of this review include: 

• What security steps are in place when secure portions of your site are accessed?

• Do all company computers utilize anti-virus software, firewalls, virtual private networks and secure mobile technologies to secure network access for all device types?

• Are secure passwords validated?

• Does the IT department regularly review hardware, software and individual site vulnerabilities?

• Is there a written IT security policy that spells out rules for physical security, account management, backup and recovery?

To learn more about Cyber Risk Insurance and steps you can take to protect your company, contact Golden Global Insurance at 305-899-5125 today.

General Liability

Commercial Liability Insurance protects a company’s assets and pays for obligations, such as medical costs that might be incurred if someone gets hurt on your business property or when there are damages or injuries caused by you or your employees. 

Commercial Liability Insurance covers the cost of your legal defense and any settlements or awards if you are sued, including compensatory damages, non-monetary losses and punitive damages. 

General liability insurance can also cover claims of false or misleading advertising, including libel, slander, and copyright infringement.  

The coverage you need depends on the type of business you are in and the perceived risk associated with it. Typically, a general contractor will need more coverage than a business consultant, for example. 

Your business location is also another factor that comes into play because some locations may have a history of awarding more in damages to plaintiffs claiming personal injury than others. 

To learn more about Commercial Liability Insurance options for your business, contact Golden Global Insurance at 305-899-5125 today.

Professional Liability

Professional Liability Insurance (PLI), also called Professional Indemnity Insurance (PII) and Errors and Omissions (E&O) in the United States, is a form of insurance that protects professional advice and service from the cost of negligence claims made by a client, and damages awarded in such a lawsuit. 

Professional Liability InsuranceProfessional Liability Insurance covers alleged failure to perform and financial loss caused by error or omissions in services or products sold by the policyholder. Such potential causes for legal action would not be covered by a more general liability insurance policies. 

Law requires professional liability insurance for medical and legal professionals and some other professionals. It can also be required under contract by other businesses that receive advice or service. Medical professionals call this type of coverage malpractice insurance.

Other professions that commonly purchase professional liability insurance include professionals working in accounting and financial services, construction and non-profit and trade organizations.

For Professional Liability Insurance that protects you from the risks you face in your profession, contact Golden Global Insurance today at 305-899-5125.

Florida Association of Insurance Agents

IMPORTANT NOTE: Providing excellent service to you is of utmost importance to us. Our quote response is based on your information provided in the quote request form or call. Please be sure this information is accurate to the best of your knowledge. When you request a quote our agents will contact you as soon as possible, usually within 1- 48 hours. If you do not hear from us in 2 business days or have an urgent request please call us at 305-899-5125.

This Web site provides a simplified description of coverage and is not a statement of contract or agreement. When requesting a quote or information please understand there is no coverage in force until an application is approved and premium is received by the insurance company. Coverage may not apply in all states or countries and should not be construed as a solicitation of any sort in any jurisdictions other than those in which the agency holds a license and is authorized to transact business. For complete details of coverage, conditions, limits and losses not covered, be sure to read the policy, including all endorsements, or prospectus, if applicable. Coverage IS NOT bound, amended, or altered by leaving a voicemail or message, or relying upon information in this website or through e-mail.