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Business Insurance & Risk Management

At Gallant we design comprehensive commercial insurance programs at the most competitive cost. We provide the safeguard for your company’s assets from financial liability that can result from a number of scenarios. By implementing a risk management program combined with the correct insurance coverage, we protect our clients and assist in meeting their long-term goals.

Insurance Coverage

Property insurance provides financial reimbursement to the business and/or landlord for property damage/loss and indemnification for the loss of income/rents associated with interruption. Coverage also includes:

  • Building/Equipment/Inventory
  • Business personal property
  • Business interruption – loss of income/rents
  • Ordinance or law ordinance
  • Debris removal
  • Extra expense
  • Earthquake/Flood/Hail
  • Equipment breakdown/Boiler machinery
  • Contingency insurance supply chain/Business continuity insurance
  • Inland marine property on-site and off-site
  • Forklift coverage
  • Specie & fine art
  • Bailee coverage

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Protecting your business from claims against you is vital to the success of your operations. General liability coverage can indemnify you and your company for claims by a third party that range from damage to others’ property and injury. Coverage also includes:

  • Bodily injury
  • Property damage
  • Products – completed operations
  • Personal injury
  • Advertising injury
  • Contractual liability
  • Liquor liability
  • Damage to premises rented to you
  • Medical payments
  • Umbrella and excess liability limits
  • Product reputation and recall
  • Business owner’s policy (BOP)

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At Gallant, we implement a strategic risk management plan to reduce your overall workers compensation cost. We address workers compensation claims immediately. We manage an incident at first notice and continue until closing to mitigate the cost and size of a claim. Program design and services include:

  • Guaranteed costs
  • Captives
  • Deductible plans (large and small)
  • Alternative financing programs
  • Retrospective rating
  • Claims management
  • Nurse triage
  • Loss prevention
  • Safety training
  • Incentive programs
  • Onsite assessment of potential exposures to loss
  • Stewardship reports
  • And more

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Gallant provides professional liability / errors & omissions / malpractice insurance to defend professionals and companies for claims of negligence that may occur when providing their services. This safeguard is meant to protect against claims that are not covered by the general liability policy. Those who can benefit from this service are:

  • Accountants
  • Architects
  • Construction and engineering firms
  • Design professionals
  • Healthcare workers
  • Insurance brokers
  • Independent financial advisors
  • Lawyers
  • Management consultants
  • Physicians
  • Technology/Media liability
  • Intellectual property infringement
  • Data privacy
  • And more

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Companies and nonprofits are exposed to financial liabilities that may occur from board members, executives, and management decisions. Employment claims stemming from sexual harassment, discrimination, wrongful termination, and other “wrongful acts” can have a substantial financial impact. Executive, employment, and financial liability insurance focuses on proactive and reactive measures in the face of work-related claims and the protection of company assets.

  • Directors and Officers, Side A Difference in Conditions, Personal Directors Liability
  • Employment Practices Liability, wage and hour, third party
  • Crime
  • Kidnap and Ransom
  • ERISA/Fidelity bond
  • Fiduciary liability
  • Cyber risk

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Gallant offers commercial auto insurance, which provides broad coverage for commercial vehicles, third-party auto physical damage and injury claims. Our commercial auto insurance covers:

  • Auto liability
  • Hired/Non-owned
  • Transportation/Trucking
  • Fleet liability/physical damage
  • Motor truck cargo/Transit
  • Trailer interchange
  • Warehouse legal liability
  • Garage Keepers liability

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Companies that transport merchandise must consider the possibility of unexpected loss or damage that may occur during transit. Gallant offers carrier legal liability insurance to compensate for loss or damage to goods in all stages of transportation from loading to unloading. Carrier legal liability insurance covers the following:

  • Primary stock
  • Contamination of food and beverages
  • Project cargo, including delay in startup
  • Commodities
  • Stock throughput
  • Deterioration of perishable goods
  • Offshore equipment
  • Excess stock
  • Trade disruption
  • Global transit risks

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Builders risk insurance protects materials, fixtures, and equipment used during a building project should something endure a physical loss or damage. Wrap-up insurance can include general liability, excess/umbrella, workers compensation, and additional construction defect coverage for the participants associated with a specified project. Coverage includes:

  • Builders risk property on-site, off-site, and in transit
  • Wrap-up, contractor-controlled insurance program (CCIP)
  • Owner-controlled insurance program (OCIP)
  • Surety bond – construction, contractors, performance, bid, payment, design firms
  • Owners and contractors protective (OCP) liability coverage

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Many businesses unknowingly have exposure to some form of pollution liability. As a result, environmental liability coverage should be a serious consideration. At Gallant, our environmental liability department specializes in all types of environmental insurance coverage and the claims associated with them, including:

  • Manufacturers product pollution
  • Contractor’s pollution liability
  • Environmental consultants and contractors
  • Auto pollution
  • Products pollution
  • Hazardous waste haulers
  • Professional liability with pollution enhancements
  • Site pollution legal liability
  • Lenders legal liability
  • Storage tank liability

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Recent, sharp premium increases and hard-to-place coverage lines have led many companies to consider captive insurance. Gallant has years of experience in captive insurance and self-insured programs that can prove to be cost-effective in the long run. We take a multi-disciplined approach to alternative funding and offer:

  • Group captives
  • Single parent captives
  • Sponsored captives
  • High deductible plans
  • Self-insured, reinsurance
  • Domestic, foreign

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At Gallant, we are dedicated to giving our clients the best aviation and marine insurance coverage possible. Aviation and marine insurance protects personal and business aircraft and watercraft and provides:

  • Aviation/Marine general liability
  • Hull and machinery
  • Hangar keepers
  • Marina operators legal liability
  • Inventory/Cargo
  • Carrier’s legal liability

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We offer transactional insurance to put companies at ease during the negotiations of a merger and/or acquisition deal. Transactional gap insurance can address those risks that may prevent the closing of the sale either on the buy or sell side by transferring potential liabilities. We utilize:

  • Representations (Reps) and warranties coverage
  • Loss portfolio transfer
  • Transactional environmental liability
  • Tax opinion liability coverage

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Terrorism insurance covers property / liability and financial losses from claims due to acts of terrorists. Global coverage responds to foreign business affairs, which may be exposed to labor and political risk. Coverage includes:

  • War and Terrorism (TRIA) – liability / property / financial
  • Strike risk and political risk

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Obtain extra protection for your production / operations and or scheduled event with contingency insurance. Our policies act as a hedge to cover an unforeseen risk. Contingency insurance includes coverage for a range of unforeseeable risks, including:

  • Event cancellation
  • Non-appearance
  • Weather risks – income stabilization and cost containment
  • Film production risks

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Gallant Puts Customers First

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4160 Temescal Canyon Rd., Suite # 402
Corona, CA 92883

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Main: (951) 368-0700
Fax: (951) 368-0707