Please select the specific industry to read about our experience and service.

Accountant's Professional Liability
Attorney's Professional Liability
Food Industry
Healthcare
Home Healthcare
Importers & Exporters
Information Technology
Jewelry
Manufacturers
Nonprofit Organizations
Pharmaceutical Industry
Real Estate
Social Services Agencies
Wholesalers & Retailers

Accountant's Professional Liability

We maintain a professional liability division for accountants, handled by underwriters who are knowledgeable about the risks of accounting firms. We can tailor coverage to meet the needs of virtually any firm, protecting your ability to do business and maintaining your hard earned reputation.

We keep current on the issues as they affect the accounting profession, including the way business is now done given recent legislation including the Sarbanes-Oxley Act. Accountants are now subject to regulatory provisions similar to those governing the conduct of the financial services industry.

While TSG has a number of sound financial insurers to creatively approach for Accountant's Professional Liability coverage, we are proud to say that, in addition, we are the designated broker for Camico Mutual Insurance Co, whose professional liability program has the endorsement of the NY State Society of CPAs.

Camico is a company owned by CPAs and is operated by CPAs solely for the benefit of its members. It does not surcharge for claims or incident reports and always acts in the best interests of you, the CPA, and your profession.

Whether it is through Camico or any of our other markets, you can be assured of prompt, knowledgeable and concerned service from us. Please Contact Us with any questions or concerns you may have, or to request additional information about what we do and the services we offer.

Back to top

Attorney's Professional Liability
Given today’s legal and business environment, attorneys are faced with greater responsibilities than ever before in providing services to clients. With laws and regulations becoming more complex, many attorneys are focusing their practices in more specialized areas, being held to higher standards than ever before.

TSG can offer coverage to meet the needs of virtually any firm, protecting your ability to practice your profession and maintain your hard earned reputation.

Through our professional liability division, The Signature Group can tailor your firm’s professional liability needs, through our knowledgeable and concerned staff. Please Contact Us with any questions or concerns you may have, or to request additional information about what we do and the services we offer.

Back to top

Information Technology

Our account executives managing computer, information and network technology keep pace with this complex and rapidly changing field. TSG has access to the finest carriers providing coverage to this industry.

Some of the specialty coverages we offer:
Property – In addition to a traditional comprehensive property contract, we can include coverage for water damage to EDP and Research & Development (R & D) property, coverage for damage as the result of change in temperature or humidity, as well as impairment of computer services and malicious programming.

Loss of Business Income – Special features include extra expense, R & D income replacement and coverage for loss due to destruction of a dependent business premises (i.e. supplier) anywhere in the world.

General Liability (GL) – A GL policy is a necessity. An important special feature of the GL that we offer relates to Personal Injury Liability, which covers claims of libel, slander, disparagement, invasion of privacy among others arising out of advertising injury. The standard GL policy excludes coverage for advertising injury for those policyholders in the business of publishing, advertising, telecasting or broadcasting. TSG recognizes how this exclusion can affect companies in these businesses.

Errors & Omissions (E & O) – In spite of your best efforts, there are situations where your client will advise you that your work product either does not meet their expectations and/or that you have breached your contract with them. A lawsuit or claim against you may allege a substantial loss of business profit and extra expense costing significant dollars. The E & O Policy we design for you is tailored to meet your specific requirements and may include world-wide coverage regardless of where the suit or claim is brought or made (except where the federal government prohibits you from doing business).

Please Contact Us for additional information or for a free “no-risk” proposal.

Back to top

Importers & Exporters

Whether you are an importer or exporter, TSG has the knowledge and experience to design the most competitively priced programs. The insurers with whom we deal are among those with the highest financial ratings and know the importing and exporting business.

One of the more significant exposures to loss occurs during shipments either by air or ocean freight to or from an overseas market. While shippers frequently offer coverage, we emphasize the point that our client should insure these shipments through us. There are good reasons for taking this approach:

Control – By controlling the insurance arrangement, you can determine the extent of the coverage in terms of when the coverage begins, whether freight and duty are to be included as well as the value to be insured (Cost plus a percentage added for loss of profit). If anything happens to your goods, you can deal with someone you know rather than relying on a foreign agent or carrier.

Cost – By controlling the insurance placement, we can negotiate rates on your behalf, reflecting your own loss experience and needs. You will not have to concern yourself with middlemen, overseas parties or other shippers’ poor loss experience artificially inflating your rates.

If you currently have an arrangement where your insurance is procured overseas, we will be happy to discuss with you how this may be changed so that you can achieve control as well as a cost savings. Should you insure your shipments domestically, our experienced staff will be happy to review your current insurance program to determine if it is tailored to your specific needs.

In addition, we can provide the following:

• Credit Insurance
• Warehouse Coverage
  
• Domestic Transit
  
• Products Liability
  
• Freight Forwarder’s Liability
  
• Political Risk Insurance
  
• Non-Vessel Operating Common Carrier (NVOCC) Protection

For more information, or to find out how we may help you, please Contact Us.

Back to top

Food Industry

The Signature Group offers “customerized” solutions for all segments of the food industry. We understand the business of food manufacturers, processors and distributors as well as those on the retail side including restaurants, supermarkets and gourmet food establishments. Our in-depth understanding of the industry allows us to design and implement comprehensive insurance programs offering the broadest coverages at the most competitive pricing.

Some of the exposures unique to the industry include:

• Comprehensive Boiler & Machinery Coverage, including Equipment Breakdown, Change in Temperature or Humidity, Loss of Refrigeration and Expenses Incurred to limit the loss and speed business restoration.
• Products Liability
• Products Recall
• Vendors as additional insureds
• Contingent Business Income - Dependent Properties (e.g. suppliers) and Recipient Properties (customers)
• Ocean Cargo
• Domestic Transit

For more information, or to find out how we may help you, please Contact Us.

Back to top

Health Care
The Health Care industry encompasses a growing number of services provided by specially trained and licensed professionals. The nature of these services gives rise to unique and often difficult insurance and risk management situations. With over 25 years of experience in assisting For-Profit and Not-For-Profit providers of health care services to resolve insurance issues surrounding Professional and General Liability as well as Workers’ Compensation and Property insurance, we can help. With unexcelled access to insurance markets and products, we have been and continue to be a resource for those in Health Care Services.

Home Healthcare
Home Health Care plays a vital role in the lives of many of our family members and colleagues and represents a true public/private partnership that has thrived in an age of escalating in-patient health costs. As a core specialty, related to our healthcare expertise, home healthcare provides special challenges for both proprietary and non-profit providers. We have been deeply involved in all areas of employee benefits, particularly health insurance and retirement planning. We have found great success offering our clients options to union sponsored programs, for the organized agency. Finally, we have tailored commercial insurance, worker’s compensation and risk management programs to the special needs and intricacies of this industry.

Back to top

Hospitals
We have provided insurance for hospitals since 1970. Our long-term involvement with this health care segment gives us the experience to help hospital boards and administrators reign in the exposures and associated costs inherent in the hospital setting. With insurance premiums and the costs of managing Professional Liability exposures becoming one of the largest budget line items, our expertise and product knowledge can assist hospital Risk Managers and Administrators control exposures and costs.

Workers’ Compensation also presents unique exposures where considerable savings can result from creative insurance programs. Coupled with loss control programs, we have produced extremely positive results for our clients for many years.

With the proliferation of regulations affecting hospitals such as HIPPA and Sarbanes-Oxley, Boards of Directors and Officers and Administrators need the most comprehensive protection from financial loss available. Individual and Corporate Directors and Officers Liability, Fiduciary Liability and Employment Practices Liability can provide this protection when structured properly.

Physicians
Sole practitioners as well as small or large practice groups can benefit from our insurer contacts when seeking the broadest protection at the most competitive pricing. Occurrence or Claims-made forms are available; part-time or full-time rates, too. While Professional Liability usually gets the most attention, we also provide complete protection in the areas of General Liability, coverage for specialized medical equipment, office property and loss of income protection.

If you would like more information or wish to find out how we may help you, please Contact Us.

Back to top

Jewelry 

The specialized coverage for those in the jewelry business that is provided by a Jewelers' Block policy can be difficult to identify and obtain. The jewelry industry has its own language and customs. Knowing these can be invaluable when dealing with clients in the jewelry industry. With more than 25 years of experience writing this business, we totally understand the environment. Whether coverage is for a manufacturer, wholesaler or retail risk, we at TSG can provide the expertise needed to ensure proper coverage is obtained at the best pricing available.

We have the knowledge and understanding of the security and insurance coverage issues that are of concern to jewelry businesses. We can offer advice and suggest ways to protect people and property. Our Company partners also offer extensive safety training programs.

We can offer the broadest terms with the most competitive pricing on every segment of the industry – retail, wholesale, manufacturing, bench jewelers, and trade craftsmen.

As General Agents for Jewelers Mutual we are able to offer competitive commissions to client's brokers for business placed with us.

For more information or to make any specific inquiry, please Contact Us.

Back to top

Manufacturers

Manufacturers usually have substantially more significant exposures to risk than the wholesalers and retailers with whom they do business.

We are familiar with many types of manufacturing operations and are attuned to identifying areas of risk. With a thorough review of all aspects of your manufacturing process, following the chain of exposure from your suppliers to your customers, we are able to customize a program with broad protection and at a competitive cost.

• Among the areas of coverage we negotiate are: Property, including machinery, equipment, computer hardware and software, inventory, etc.
• Business Income and Extra Expense
• Contingent Business Income from Dependent or Recipient Properties
• Importer/Exporter issues
• Products Liability
• Products Recall
• Crime
• Utility Service Interruption
• Workers’ Compensation including experience rated plans, up-front discount &/or back-end dividend plans and retrospective rating plans.

If you would like more information or have any questions or concerns, please Contact Us.

Back to top

Nonprofit Organizations

Running a Not For Profit Organizations (NFPO) is getting more difficult in light of recent legislation such as the Sarbanes-Oxley Act. While the Act does not apply to nonprofits, many executive directors or presidents feel pressured into strengthening their ethics and governance practices. NFPOs require specialized consideration in formulation of their insurance programs. Whether the NFPO operates in the charitable, religious, artistic or social service area, our staff, knowledgeable, creative and experienced, understands the issues of running a NFPO. These issues can relate to, among others, board matters, fund-raising, hiring practices or volunteer worker concerns.

If you would like more information or have any questions or concerns, please Contact Us.

Back to top

Pharmaceutical Industry

The Signature Group offers pharmaceutical companies innovative insurance products designed to protect their property by providing industry-specific enhancements, surpassing the coverage of standard property policies.

These would include contamination from a variety of causes, condemnation of stock by governmental authority and changes in controlled environment resulting in loss or damage to perishable property due to spoilage, decay or deterioration.

Products Recall insurance can meet a critical risk management need, indemnifying you for costs incurred in recalling or withdrawing products. such as:

• The cost of examination and replacement of a recalled product
• The cost, where feasible, of rehabilitating the product to reestablish reputation
• The cost of destroying a recalled product

Among the other areas of coverage we provide are:

• Machinery, equipment, computer hardware and software, inventory, etc.
• Business Income and Extra Expense
• Contingent Business Income from Dependent or Recipient Properties
• Importer/Exporter exposures
• Products Liability
• Crime
• Utility Service Interruption
• Workers’ Compensation including experience rated plans, up-front discount &/or back-end dividend plans and retrospective rating plans.

Please Contact Us with any questions or concerns you may have, or to request additional information.

Back to top

Real Estate

The Signature Group has achieved dynamic growth by offering solutions to the real estate industry. Our significant leverage with insurers specializing in real estate coverage allow us to provide better pricing as well as offering broad coverage. We have the ability to meet your protection needs by shaping a program that is creative and flexible.

We can provide property terrorism insurance with significant limits of coverage often being essential to satisfy lender requirements. Often, we have the ability to offer expanded terrorism coverage beyond what is government mandated by including terrorist acts perpetrated from both foreign and domestic sources.

Our in-house resources allow us to provide additional benefits to our clients including lease review, analysis of indemnification provisions, due diligence on a potential property acquisition and the design of methods to track Certificates of Insurance.

At TSG, we recognize the importance to your business of keeping up to date on changes in the law as it affects the real estate industry and how it affects the way we approach insuring your assets. Please Contact Us with any questions or concerns you may have, or to request additional information.

Back to top

Social Services Agencies

Providing social services agencies with the proper protection is a challenge that requires a solid understanding of how these agencies operate. Exposures exist in many cases, away from your usual base of operations and are varied in nature.

Listed below are some of the exposures we have found that are unique to the industry:

• Professional Liability (Occurrence or Claims-Made Form)
• Sexual Abuse & Molestation issues
• Fund-Raising Event coverage
• Coverage for 15+ vehicles
• Directors & Officers Liability
• Employment Practices protection
• Vicarious Liability for sub-contracted physicians
• Gap coverage for leased/financed vehicles
• Volunteer coverage, including Travel Accident and Workers’ Compensation

Please Contact Us with any questions or concerns you may have, or to request additional information.

Back to top

Wholesalers & Retailers

Although they occupy different points on the distribution chain, wholesalers and retailers share many similar issues with regard to asset and income protection.

TSG has a wealth of experience that enables us to provide comprehensive coverage at a highly competitive price. Coverage components typically include:

• Property including stock, furniture, fixtures and equipment, and computer hardware and software
• Business Income and Extra Expense
• General and Products Liability
• Crime
• Utility Service Interruption
• Workers’ Compensation
• Commercial Auto
• Umbrella/Excess Liability

If you would like more information or want to find out how we may help you, please Contact Us.

Back to top