Other Business Services

Your business offerings are too unique to be labeled or boxed in, but that does not mean that they do not face common threats like theft and liability, as well as damaged property and inventory. Luckily, we utilize our extensive industry knowledge to fine-tune policies that provide the insurance you need – no more, no less.

Read on to find out if your home based business qualifies for our custom insurance coverage.

Adjuster (Public or Independent Claim Adjuster)

Adjuster businesses that we cover investigate, analyze, and adjust the loss claims presented to insurance companies by their insureds and can assist the insured(s) with maximizing recovery costs.

Independent adjusters differ from public adjusters in that they handle claims for all insurance lines and are hired by companies that do not have their own branch of staff adjusters. Public adjusters we cover usually handle claims for businesses and homeowners. Insurance Investigators are not eligible under this class.

Note: Communicable Disease Exclusion* will be attached in states where approved.

Appraisal Service

We strive to offer protection to businesses that handle appraisal services, including estimating and providing information on the present and potential market value, or cost of replacing physical property. The products qualifying businesses deal with might include art, furniture, jewelry, or antiques. Energy consultants are not eligible under this class.

Note: Communicable Disease Exclusion* will be attached in states where approved.

Auctioneer

Our covered auctioneer businesses sell goods by means of competitive bidding either through live auctions, or on the Internet (i.e. eBay). This class of professional handles all steps of selling goods, from preparing the auction site and cataloguing goods, to ensuring rightful ownership and paying their consignors. To qualify for insurance coverage through RLI, there must be no commingling of the seller’s funds with the auctioneer’s personal funds.

Note: Personal and Advertising Injury Exclusion and Communicable Disease Exclusion* will be attached in states where approved.

Auditor

Businesses that examine, verify or correct financial accounts are eligible. However, accounting businesses are insured under a separate business class.

Note: Communicable Disease Exclusion* will be attached in states where approved.

Expert Witness Consultants

Eligible businesses under this class are seasoned experts called upon by the courts to provide their testimony based on their individual knowledge and understanding toward a subject. Public Speakers are eligible under a separate class.

Note: Communicable Disease Exclusion* will be attached in states where approved.

Financial Planner

Financial planners who provide advice to their clients based on various methods of research and insight are eligible for coverage. In addition to personal financial goals, the specialists we cover may also advise on investments. Qualifying businesses will usually provide a financial plan to clients that outline methodologies and objectives in order to achieve financial success. Please note, discretionary trading authority and/or access to customer’s funds are not eligible under this class.

Note: Communicable Disease Exclusion* will be attached in states where approved.

Inventory Control Specialist

We strive to offer coverage for inventory control specialists that engage in cataloguing and maintaining inventory records for clients, as well as notifying clients of shortages and overages. However, the actual requisition or disbursement of inventory is not eligible under this class.

Note: Communicable Disease Exclusion* will be attached in states where approved.

Loan Origination Service

Loan originators who help people put together the paperwork needed to obtain a mortgage are eligible for coverage. They do not make decisions for the lender, but instead gather information and prepare documentation to help facilitate the mortgage application process.

Note: Communicable Disease Exclusion* will be attached in states where approved.

Medical Claims Processing

Eligible businesses under this class assist clients with processing medical claims to ensure accuracy, fast-tracking the client’s compensation for a given claim. We must stress that, to qualify, your business must not have access to your client’s funds.

Note: Communicable Disease Exclusion* will be attached in states where approved.

Market Research

Coverage options are available to to market research operations that interview different demographics. These qualifying businesses are charged with gauging public opinion through various methods ranging from telephone surveys, direct mail, or in-person meetings.

Other operations that we insure include consumer behavior research, product testing, computer software services, as well as field audits. We do not qualify public relations, product development consulting, marketing consultants, or advertising under this class.

Eligible businesses may be interested in our Electronic Data Processing Coverage, which accounts for different types of computer data losses.

Note: Intellectual Property Hazard Exclusion and Communicable Disease Exclusion* will be attached in states where approved.

Notary

Eligible business include those that are notary businesses that are involved in the validation of documents and taking of affidavits, depositions, and protests of negotiable paper.

Note: Communicable Disease Exclusion* will be attached in states where approved.

Printer

Eligible business include those that are the printing of various publications ranging from directories to magazines, as well as printed marketing materials such as display advertisements, packaging supplies. Additionally, our services support the printing of legal paperwork, as well as general goods like maps or cards. Major printing processes that we cover include letterpress, lithography, intaglio, and flexography.

Note: Personal and Advertising Injury Exclusion, Intellectual Property Hazard Exclusion, and Communicable Disease Exclusion* will be attached in states where approved.

Rubber Stamp Business

Rubber stamp businesses addressed by this type of policy specialize in the making of stamp tools for clients, including businesses and individuals. Inks for rubber stamps are usually not made in-house, but are bought from various office supply stores.

Representatives and distributors of Stampin’ Up are eligible operations for this classification.

Note: Communicable Disease Exclusion* will be attached in states where approved.