Property & Casualty

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Protect your business, your employees, and yourself

Property and casualty insurance are types of coverage that help protect your physical property and also provide added liability protection for accidents or incidents that may occur with your business practice. There are several types of coverage available and COPIC Financial Service Group can help find an affordable option to meet your specific needs. 

  • Business Owner’s Package—Comprehensive coverage designed for a small- to medium-sized business owner in one cost-effective package. From property improvements and vehicle use to loss due to lawsuits, theft, or accident, this coverage will encompass all the basics for quality protection.
  • Workers’ Compensation—Coverage for medical bills and lost income in the event of a work-related injury. We offer programs that ensure consistent and appropriate care for injured employees. Workers’ compensation also protects employers from claims filed against them. 
  • Errors and Omissions (E&O)—This coverage protects companies and individuals against claims made by clients for inadequate work or negligent actions, often covering court costs and any settlements. This type of insurance is recommended for doctors and dentists.
  • Directors and Officers Liability Insurance (D&O)—This coverage applies to events resulting in a legal action brought for alleged wrongful acts by directors and officers, or against the company.
  • Cyber Liability/Data Breach InsuranceWe provide expertise to select the right coverage option to protect your practice at an affordable rate.
  • Umbrella—Supplementing a primary policy, this insurance protects the assets and future income of the policyholder by filling in any coverage gaps for a stronger shield against risks.
  • Employment Practices Liability—Designed to protect your business from lawsuits filed by former, current, and future employees.
  • Bonds (including ERISA)—If you provide benefits to your employees, you are liable for the plan assets with which you have been entrusted. An ERISA fidelity bond protects employee benefit plans against fraud or dishonesty by the bonded trustee or fiduciary.
  • Personal Insurance (Homeowners, Automobile, and Umbrella)—Coverage to protect your personal items and property in case of accidents or catastrophic events.

"I strongly recommend making the time for an insurance summary review. In 15 minutes, we found ways to decrease premiums while increasing my coverage benefits. We uncovered items that we were paying for that were no longer needed and found areas of vulnerability that we were not aware of."

COPIC Financial Service Group Client

What are the property and casualty coverage options to consider?

  • Schedule a complete, no-cost insurance summary review to be certain your personal assets are shielded from your business-related exposures and liabilities; an insurance review helps to identify any gaps in coverage and can reassure that your policies are the best for your situation.
  • Coverage that protects your home or practice from natural disasters such as wildfires, floods, and severe weather.
  • Policies that cover employment liability issues such as harassment, discrimination, or alleged wrongful termination.
  • Coverage for property loss and associated factors due to business interruption such as revenue loss, continuing expenses like rent and payroll, and accidents that might cause damage to another person's property.
COPIC Financial Service Group is an insurance brokerage firm representing a variety of insurance carriers. Products offered by COPIC Financial are not issued by COPIC Insurance Company.

Contact Mitch Laycock, Account Executive, Property & Casualty

Mitch works with clients to evaluate and develop insurance plans that best meet their professional and personal situations. He came to COPIC with more than 25 years of insurance experience as a wholesale broker, providing services to independent agents and their clients in areas such as Cyber Liability, Employment Practices Liability, and Property and Casualty.

Phone: 720.858.6297

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Teresa Ariniello, CIC, CLCS, CISR, Commercial Lines Account Manager


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