Property
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 options includes:
- Building/Equipment/Inventory
- Business personal property
- Business interruption – loss of income/rents
- Ordinance or law ordinance
- Debris removal
- Extra expense
- Earthquake/Flood/Hail
General Liability
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 options includes:
- Bodily injury
- Property damage
- Products – completed operations
- Personal injury
- Advertising injury
- Contractual liability
Workers Compensation/Employers’ Liability
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. Here are some program design and services offered:
- Guaranteed costs
- Captives
- Deductible plans (large and small)
- Alternative financing programs
- Retrospective rating
- Claims management
Professional Liability/Errors & Omissions/Malpractice
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. Here are some of those who can benefit from this service:
- Accountants
- Architects
- Construction and engineering firms
- Design professionals
- Healthcare workers
- Insurance brokers
- Independent financial advisors
Executive, Employment, and Financial Liability
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.
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Commercial Auto
Gallant offers commercial auto insurance, which provides broad coverage for commercial vehicles, third-party auto physical damage and injury claims. We work with several insurance carriers to help you find the coverage and carrier you need.
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Carrier Legal Liability
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.
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Testimonials
I rarely take the time to post a review but opted to do so because this Gallant Risk is an extraordinary company. They are experienced, trustworthy and dogmatic in securing the best coverage at the best price for their clients. We are a charter client and receive the same effort and performance that we did on the day they convinced us to come aboard. I highly recommend Gallant Risk and Insurance Services to anyone in need of a good broker.
Builders Risk/Contractors Construction Liability
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. Insurance covers the following and more:
- Builders risk property on-site, off-site, and in transit
- Wrap-up, contractor-controlled insurance program (CCIP)
- Owner-controlled insurance program (OCIP)
Environmental Liability
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. Insurance covers the following and more:
- Manufacturers product pollution
- Contractor’s pollution liability
- Environmental consultants and contractors
- Products pollution
- Hazardous waste haulers
- Professional liability with pollution enhancements
- Site pollution legal liability
Captives, 831(b), Self-Insured, High Deductible
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
Aviation/Marine
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
Transactional Gap Insurance for Companies
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
Global/Terrorism TRIA
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
Contingency Insurance
Obtain extra protection for your production, operations and scheduled events 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