Property and Casualty Insurance

Business Owner's Package

The business owner's package combines the basic coverages that a small to medium-sized business owner needs into one cost-effective package.

Your business owner's package includes several property and casualty coverages:

Your property: Your building and the contents of the building (equipment, inventory, etc.) including the costs of any build out or tenant improvements.

Your business: If you should suffer a covered property loss where your business is interrupted, this portion of the policy covers:

  • Your revenue loss
  • Continuing expenses like rent and payroll
  • Lawsuits against you and your business arising from accidents or injury to other people on your property
  • Accidents that might cause damage to another person's property
  • Personal injury items like copyright infringement or false advertising

Your money and securities: In the event your money or securities are taken through burglary, theft or losses caused by dishonest acts by your employees (i.e., embezzlement), you're covered.

Vehicles: Rented or borrowed vehicles are covered for liability.

The business owner's package does not typically cover loss from floods, earthquakes, owned vehicles, group health insurance, workers compensation and certain liability coverages like errors and omissions (E&O), malpractice, and directors and officers (D&O) liability. You can obtain these policies through the COPIC Financial Service Group and their portfolio of offerings.

Workers' Compensation

When an employee suffers a work-related injury or illness, both business owners and their employees feel it emotionally and financially. Having the right coverage facilitates the healing.

Cyber Liability

​Cyber liability insurance protects your business from cyber risks relating to information technology infrastructure activities, including breaches of your customers’ personal information.

Errors and Omissions (E&O)

Errors and Omissions is a professional liability insurance that protects companies and individuals against claims made by clients for inadequate work or negligent actions. E&O insurance often covers both court costs and any settlements up to the amount specified on the insurance contract.

E&O coverage is recommended for any company, large or small, that provides a service to clients. More popular professions who need E&O insurance include doctors, lawyers, dentists, accountants, and architects. If you are in the business of providing a service to your client for a fee, you have an E&O exposure.

This coverage is not provided in Commercial General Liability (CGL) policies which primarily deal with property damage and bodily injury claims, and therefore, E&O must be purchased separately.

If you are interested in obtaining quotes or getting more information, please contact Mitch Laycock at 720.858.6297 or

Directors and Officers Liability Insurance (D&O)

D&O is liability insurance payable to the directors and officers of a company or to the company itself as indemnifications for certain damages (losses) or advancement of defense costs.

This coverage applies to events that are the result of a legal action (whether criminal, civil, or administrative) brought for alleged wrongful acts by directors and officers or against the company.

When a person becomes a board member of an organization, they assume a level of responsibility for the organization commonly referred to as "duty of care." They expose themselves to litigation for failing to run and manage the business in a proper way. This insurance protects the directors', officers' and/or board members' personal pocketbooks from being exposed to lawsuits brought on by employees, providers, outside regulators, vendors, and others. These types of allegations are not covered by any other policy.

If you are interested in obtaining quotes or getting more information, please contact Mitch Laycock at 720.858.6297 or


Commercial umbrella coverage is a supplement to Commercial General Liability (CGL) and provides added protection from gaps or exclusions not covered in a CGL policy.

Umbrella insurance refers to a liability insurance policy that protects the assets and future income of the policyholder above and beyond the standard limits on his or her primary policies.

This coverage is different from "excess insurance," which goes into effect only when all underlying policies are totally exhausted, while umbrella insurance is able to "drop down" to fill coverage gaps in underlying policies. Therefore, an umbrella policy can become the primary policy "on the risk" in certain situations. The term "umbrella" refers to how the policy shields the insured's assets more broadly than primary coverage

Employment Practices

Employment Practices Liability insurance is coverage designed to protect you from lawsuits filed (justly or unjustly) by employees. This includes former, current and potential future employees.

The Equal Employment Opportunity Commission reported in 2004 that it recovered $251.7 million on behalf of complainants for the more than 85,000 charges filed against employers it resolved. As an employer, you must be prepared to defend yourself, even against groundless allegations that can be expensive and time consuming.

General liability and workers' compensation plans do not provide this coverage. We offer many options through our carriers, including an enhanced policy for medical professionals that has a sub-limit for abuse or molestation, written on a legal defense reimbursement basis only. Contact us to apply for coverage today.


If you provide medical, dental, life or pension benefits to your employees, you are personally liable for the plan assets with which you have been entrusted.

An Employee Retirement Income Security Act (ERISA) fidelity bond helps protect your employee benefits plans and their participants against fraud or dishonesty by the bonded trustee or fiduciary. If you do not have ERISA fidelity bond coverage and are the victim of an embezzlement involving your company's employee benefit plans, you could end up paying losses out of company funds. You may also incur fines or penalties for not being in compliance with ERISA. Contact us for more information or download the ERISA Fidelity Bond form on the right side of the page.

Homeowners and Automobile

Our homes and automobiles are integral to our lives. Are yours properly covered from loss in the event of a catastrophic event?

We offer a wide range of products to make sure your home and vehicles are protected. Request a quote today.

  • Personal umbrella
  • Primary residence
  • Condominium
  • Vehicles including automobiles and recreational vehicles

Data Breach and Network Security Liability

The need for data breach protection has grown over the past few years as identity theft has become the fastest growing white collar crime in America. Almost nine million records were exposed in health care-related breaches in 2009 and the number has increased steadily since then.

Added regulatory scrutiny caused by the HITECH Act and penalties for violations of HIPAA have resulted in many medical practices turning to data breach coverage for protection. Data breach coverage provides protection for the following exposures:

  • Multimedia Liability - Coverage for both online and offline media.  Including claims alleging copyright/trademark infringement, libel/slander, advertising, false advertising, plagiarism, and personal injury.
  • Security and Privacy Liability - Coverage for third-party claims alleging a financial loss as a result of a network security or privacy breach. This includes coverage for both online and offline information, virus attacks, denial of service, and failure to prevent transmission of malicious code. It also extends coverage for defense costs and fines or penalties for violations of privacy regulations including (but not limited to) HIPAA, Red Flag Rules, and the new HITECH Act.
  • Privacy Regulatory Defense/Penalties - If a fine is levied by a governmental agency (i.e. for a HIPAA violation), this policy will pay up to the limit of coverage selected.
  • Privacy Breach Response Costs - Includes all reasonable legal, public relations, advertising, IT forensic, call center, credit monitoring and postage expenses incurred by the insured for a privacy breach response.
  • Network Asset Protection - Coverage for all reasonable and necessary sums required to recover and/or replace data that is compromised, damaged, lost, erased or corrupted.  Coverage also includes business interruption and extra expense coverage for income loss as a result of the total or partial interruption of the insured's computer system.  Includes coverage for cyber terrorism.
  • Cyber Extortion - Will pay extortion expenses and extortion monies as a direct result of a credible cyber extortion threat.

Please contact us today for a premium indication on the above coverages as we have several options to help with this growing concern.

COPIC Financial Service Group, Ltd. is an insurance brokerage firm representing a variety of insurance carriers. Products offered by COPIC Financial are not issued by COPIC Insurance Company.

Contact Us

Looking for more information or a quote estimate?

Contact Mitch Laycock


800.421.1834 ext. 6297


Or use our email inquiry form and we will follow-up with you directly.