Business Risks
Manage the unexpected with our Business Insurance Solutions.
Unexpected events can come with a hefty price tag – or even cost you your business. Work with JS Insurance Agency today, and prepare for the unknown.
Cyber Security Risk
How prepared are you for a cyber attack?
In this day and age, compromised systems and data can be a massive setback. Ready yourself with a backup plan, and protect your business from cyber threats.
Management Risk
What is the cost of a lawsuit?
Anything can happen when you’re acting in your capacity as a professional, director or officer.
Professional Indemnity Insurance protects accountants, engineers, architects, IT professionals, and lawyers against claims alleging a breach of professional duty. The Directors and Officers Liability Insurance protects them against claims alleging wrongful acts due to negligence, a breach of trust or duty.
Business Liability Risk
What are your plans for dealing with negligence?
A small oversight on your part can result in major consequences for a third party.
Anyone who is not an immediate employee, will be deemed to be a third party. Be prepared to deal with third-party compensation for bodily injuries and property loss, directly or indirectly caused by your business.
How will you deal with the consequences of product failure?It’s better to be safe than sorry. Cover your legal liability to pay damages caused by any goods sold, supplied, repaired, altered, or treated in connection with your business, which has resulted in bodily injury, death or the loss of or damage to property.
Construction Risk
How do we limit the effects of human error?
Human error and negligence are unavoidable. That’s why it’s important to understand the operative clauses surrounding Construction All Risk Insurance, and protect yourself from the inevitable.
Understand the difference between third-party liability and principal’s property liabilities. Find out if a performance bond frees you from payment obligations.
Marine
What type of marine insurance should you get?
The type of marine insurance should you get depends on the terms you have arranged as a seller or consignee. Talk to us for a better understanding of the various Incoterms you might come across in the marine industry.
Property Risk and Consequential Loss
How are you protecting the property that brings in revenue?
Understanding the formula will help you insure your property based on its value to you.
Cover losses caused by fire, flood, or other insured perils, resulting in the non-operation of your premises. Our insurance can cover: Offices or workshops; fittings & fixtures; furniture & peripherals; plants & equipment; money in a safe, & in transit; as well as stocks-in-trade.
Trade Credit
What can you do to recover from credit default?
Businesses who extend credit terms expose themselves to heavy debt and payment defaults.
Trade Credit insurance covers defaults on payments. If your clients become insolvent, we can help you ease the cash flow of your company and cushion your loss.
Indemnity for Medical Professionals
How are you protecting your medical staff?
Indemnity for medical professionals is offered to nursing homes, dentists/orthodontists, traditional Chinese medicine practitioners, physiotherapists, chiropractors, and optometrists.
It insures the institution and her medical professionals
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