Stephen Horn Insurance Services takes a risk management approach to tailoring solutions to our clients’ needs. We perform an in-depth assessment of insurable exposures while evaluating our client’s speciic risk tolerance and budget. Our goal is to present options so that our clients can make informed decisions by weighing their unique risks versus the cost of the insurance.
Our areas of expertise include:
The foundation of any Labor-Management trust insurance program. Excess fiduciary coverage available for larger trusts.
Current events and recent hacks have this market in a state of change. We are well-versed in current coverages and best practices.
Directors and Officers liability coverage specifically tailored for local unions.
Directors and Officers liability insurance specifically designed for non-profits.
Required by ERISA for labor-management trust funds and recommended for all other clients with financial exposures.
Errors & Omissions insurance that protects from the risks in delivering your professional services.
Covers potential claims for bodily injury, personal injury and property damage. Umbrella/excess liability is available for higher limits.
Coverage for equipment that is stored in your location or travelling on land.
For tangible assets including buildings, business personal property and mobile equipment. Separate earthquake and flood insurance also available.
For clients with employees, this is a critical coverage to guard against employment claims.
Mandated for employers with staff. Recommended for labor-management trusts “just in case.”