BiBERK is a small business insurance coverage company that’s a half of the Berkshire Hathaway Insurance Group. All of the company’s main insurance subsidiaries are rated A++ by A.M. We have millions of consumers and over 75 years of insurance coverage experience. Also known as property & liability insurance, this policy supplies mixed coverage for property harm and lawsuits.
Our all-in-one cybersecurity answer offers cyber risk management against a selection of threats. At Chubb, we recognize that not all coverages match the needs of each enterprise. That is why we crafted a customizable suite of state-of the-art industrial insurance products to match your company’s specific needs.
The bundle coverage is the heart of a commercial insurance program. Chubb is the fourth largest writer of package insurance policies in the United States, as ranked by A.M. General liability enterprise insurance coverage is an important component of any comprehensive insurance program. It is the first line of defense towards many common business liabilities. Protects your corporation from property and legal responsibility risks with a bundled, affordable answer that meets the final needs of your small enterprise. The self-service tools additionally allow you to pay premiums, add an additional insured and file claims.
But basic liability is only one kind of enterprise insurance coverage protection. This coverage covers a business’s physical construction and its contents, similar to stock, gear, and furniture. It protects in opposition to theft, fireplace, and other losses and damages. The data supplied on this web site doesn’t represent insurance recommendation.
Today’s multinational organizations face complex, interconnected dangers. We’ve been providing globally coordinated, locally flexible business insurance solutions for three auto insurance quotes many years. From auctioneers to architects, professional firms are constantly vulnerable to being sued over the services they perform.
Enterprise Insurance Coverage Made Simple
We offer seven sorts so it’s easy to design the coverage that matches your small business. And should you do have questions, our licensed, U.S.-based insurance professionals are ready with the solutions. We’re dedicated to serving auto insurance florida to small businesses and self-employed staff find the reasonably priced coverage you should keep protected, meet authorized necessities and satisfy their customers.
To the most effective of our knowledge, all content is correct as of the date posted, though provides contained herein could no longer be obtainable. The opinions expressed are the author’s alone and have not been offered, permitted, or in any other case endorsed by our companions. Businesses buy staff comp insurance coverage for employees and this insurance is required in most states. Report a claim, pay your bill, or view policy paperwork all from the Chubb Commercial Client Center.
Selective’s broad definitions within the know-how errors and omissions coverage can prevent your coverage from being outdated earlier than the subsequent software program replace. Click here to Navigate Private Schools As an educator, you serve an necessary function in our communities and wish personal faculty insurance to match. Selective provides business insurance options that can help you shield your educational organization and people in your care. For U.S. and multinational companies, ESIS provides you with threat administration products and services in the United States and around the world. As professional providers firms evolve, here are some methods to assist defend your corporation from threat. Consider these 20 emerging dangers to manufacturing businesses and the specialized insurance solutions you can use to assist protect your company.
There is no one-size-fits-all skilled liability coverage. Each industry has its personal distinctive issues that must be addressed. Descriptions are provided solely as a abstract define of the products and services obtainable and are not supposed to be complete and do not constitute a proposal to sell or a solicitation. The services described is probably not obtainable in all states or jurisdictions. See your policy, service contract, or program documentation for actual terms, circumstances, and exclusions. Any inquiries relating to the subject material set forth herein should be directed through licensed insurance professionals.
We present solutions to handle dangers to firm property, together with from physical injury, enterprise interruption, and terrorism. We supply coverage to help shield your business and your folks against authorized motion from clients and different third parties. The value of small business insurance coverage relies on a few primary components, like which state you’re in, what you do, your coverage limit, and the scale of your staff.
Basic definitions of the important enterprise insurance coverage coverages. The Hartford shall not be responsible for any damages in reference to the utilization of any information supplied on this page. Please seek the guidance of with your insurance agent/broker or insurance company to determine specific protection needs as this information is meant to be instructional in nature.
We supply 50 years expertise in delivering market-leading fronting and captive options worldwide. We ship versatile applications that leverage our experience throughout the globe to assist your company reduce dangers. We’re always happy to talk with you about your insurance needs, however below are solutions to a number of the questions enterprise house owners frequently ask us.
For example, most states require employers to have workers’ compensation insurance. For instance, accountantsmay should get skilled liability insurance. A business owner’s policy, or BOP, is a cost-effective means for small enterprise house owners to buy general legal responsibility coverage and business property insurance coverage collectively. Also known as industrial strains insurance coverage, these coverages embody property and casualty insurance products for businesses.
Hired and non-owned auto protection is designed to cover work-related accidents in your employees’ personal automobiles or ones you rent. Liability protection for private autos or rental autos that your business uses for work however doesn’t personal. Cyber liability insurance coverage consists of first and third-party liability protection that shields small companies against the results of a cyber breach or knowledge theft. Whether yours is a multinational company, a mid-size regional company, or a fast-growing local enterprise, you and your organization face a posh and evolving array of risks. And for that, you want a particular sort of safety and level of service that comes from a long time of experience insuring corporations of all sizes.
Chubb provides specialized Workers Compensation insurance coverage for businesses of various sizes in nearly any business. Creative insurance solutions might help you deal with the numerous costs of managing and financing danger as a U.S. multinational. When it involves inusrance quoting insuring your commercial property, Travelers has a selection of options to help hold your property protected. We will use the knowledge you share to create a custom-made business insurance coverage quote.
This material does not amend, or in any other case have an effect on, the provisions or coverages of any insurance coverage policy or bond issued by Travelers. It is not a representation that coverage does or does not exist for any explicit declare or loss under any such policy or bond. Coverage depends on the details and circumstances involved in the declare or loss, all relevant coverage or bond provisions, and any relevant regulation.
We provide your financial providers agency custom-made insurance and threat solutions, together with world-class claims assist and superior threat engineering. We offer options to assist protect companies of all sizes. We leverage our international network to deal with claims efficiently and help our purchasers handle risks. The first get together in insurance coverage for a small business is most often the insured (that’s you) or your insurance coverage provider. That means first-party insurance coverage covers losses to your individual property or particular person, like Business Equipment Protection, also called inland marine insurance coverage, if your own gear breaks.
Stay on the street with coverage for dents, tows and damage to somebody else’s vehicle. Without insurance, an accident or mistake could maintain you from reaching your goals and threaten the survival of your small business. That makes sense, since a yoga teacher wants different coverage than a handyman or a financial advisor. To assist pay for medical prices so that you don’t need to pay out of pocket. If somebody gets harm or property is damaged whereas you’re driving for work.
That’s why Selective provides a variety of enterprise insurance coverage merchandise – both broad and specialised – to help shield your property, staff, prospects and property. The coverage most companies buy is common liability insurance coverage, which protects in opposition to buyer accidents and different widespread accidents. You might have additional insurance policies if you have staff, own a building, own a enterprise automobile, or present professional advice. Business insurance coverage, additionally referred to as commercial insurance coverage, supplies essential protection for any small business. If there’s an accident at your business, you could face a lawsuit.
Data breaches, electronic theft and vandalism, denial of service assaults and even copyright infringement make defending sensitive information a problem for every organization. Chubb’s customizable options offer the insurance coverage protection you need. Pay your small business insurance coverage bill, monitor your account and sign up for automated recurring payments—all on-line. MyTravelers® for Business offers handy, on-line access for policyholders to pay a bill, view coverage paperwork, report a declare, obtain certificates of insurance and extra… Upgrade your common liability protection to guard any gear that’s stolen, broken or misplaced.
Any enterprise can find itself named in a lawsuit due to damages attributable to its merchandise. Product legal responsibility insurance coverage protects a enterprise in such instances. We ship award-winning protection against cyber threats and assaults.
It might help pay for damages should you or an employee are concerned in an auto accident while working or your work automobile is damaged. A BOP is a comprehensive way to shield your small business from surprising expenses associated to property injury, medical funds and lawsuits. Workers’ compensation insurance is required in almost each state for businesses which have employees. Surety bonds guarantee a business’s clients that an insurance firm will reimburse their losses if the business fails to deliver contracted providers. Commercial property insurance coverage pays for restore or alternative of broken or stolen business property.
Data breach insurancehelps your small business reply to a data breach if personally identifiable info gets misplaced or stolen. Most states require businesses with staff to hold workers’ compensation insurance coverage. You can face fines, penalties and criminal costs if you don’t comply with your state’s law.
Our High Beneficial Insurance Policies For Small Enterprise Owners And Contractors
It may help cowl property harm and bodily injury claims from an accident your business causes. This is essential because a personal automobile insurance coverage won’t assist cover third-party claims in an accident you cause with a business-owned automobile. Business insurance coverage protects companies from losses due to occasions which will occur in the course of the regular course of business.
Be aware that this insurance doesn’t cover damage from earthquakes or floods. You’ll likely have to get a separate coverage, like business flood insurance, to help defend your small business from these sorts of claims. Business liability insurance coverage protects an organization and/or enterprise proprietor within the event of a formal lawsuit or any third-party claim. If your small business manufactures merchandise to promote, product legal responsibility insurance coverage is essential.
Information supplied on Forbes Advisor is for educational purposes solely. Your financial situation is unique and the services we evaluation is most likely not proper for your circumstances. We don’t supply monetary advice, advisory or brokerage companies, nor can we recommend or advise individuals or to purchase or promote explicit shares or securities. Performance data might have changed because the time of publication.
This kind of insurance is also referred to as errors and omissions (E&O) insurance. If you can’t run your business due to lined property harm, business income insurancecan help substitute your misplaced income. So, you should use this protection to assist pay for ongoing bills, like lease, utility bills or payroll.
This policy is required in virtually every state for businesses with workers. It also protects sole proprietors in opposition to work injury prices that health insurance might deny. Wherever you may be with your small business, getting the best types of enterprise insurance is important. It can provide startups a great foundation once they open their doorways for the primary time. And it’s necessary for experienced business house owners too, as a outcome of, relying on your small business and your types of insurance coverage, policy wants might change over time.
You can purchase the enterprise insurance you need on-line in less than 10 minutes with Next. Since we only work with small businesses and the self-employed, we will customise your commercial insurance package to match your enterprise. Whether you’re an accountant, building employee, baker or candlemaker, we’ll assist you to thrive by providing protection that protects every little thing you do. Business insurance offers you the protection you have car insurance personal injury to confidently concentrate on growing your small business and serving your clients. That’s a scary thought, but it’s a really real issue for lots of companies should you think about the typical cost of a liability lawsuit can simply attain $50,000. Per month, while the cost of small enterprise insurance coverage for roofers or welders who work on harmful projects can be a lot higher.
This policy, also known as errors and omissions insurance coverage (E&O), can help cowl authorized bills if a enterprise is sued for unsatisfactory work. It’s essential to make sure you’re familiar with your state business insurancelaws. You can work with an insurance agentto make sure you’re complying with laws. They may help you customize an insurance policy that fits your wants and budget.
Clients vary from large, worldwide, and mid-sized corporations to small businesses, entrepreneurs, and non-profits worldwide. Trust biBERK to offer the best insurance coverage for your small business. CheckDamage to company autos from theft, hearth, flood, etc. Forbes Advisor adheres to strict editorial integrity standards.
This coverage helps small companies survive information breaches and cyberattacks. It pays for recovery expenses, together with the cost of notifying clients affected by a breach. No small enterprise is identical, however many companies share the identical risks.
Discover The Proper Coverage For Your Business
Insurance helps defend your company from totally different risks that may come up during regular operations. Choosing what enterprise insuranceyou want can seem overwhelming, however we’re here to assist. After you get a quote, an insurance coverage coverage is the precise contract you enter with an insurance supplier that describes the ultimate premium, deductible and protection limits you agreed to.
Environmental issues are an essential part of day by day life and business today. Chubb’s environmental coverage solutions might help defend your business while allowing you to raised shield the setting, your workers, and clients. Chubb Accident & Health offers a variety of insurance coverage and risk merchandise and options for companies, scholastic institutions, affinity packages and more. Travelers provides a variety of general liability choices to assist protect your corporation. This policy covers the value of a contractor’s lost, stolen, or broken gear. This coverage combines liability and property coverages for occasions that happen outside of regular enterprise actions.
D&O insurance covers choices made by directors, officers, and board members on behalf of the company. This coverage covers misplaced income, hire, and different day-to-day bills when an occasion forces a business to temporarily stop operations. HNOA covers a business’s liability in accidents that happen while driving leased automobiles, rentals, and employee-owned automobiles for company errands. This policy is often required for business-owned autos. It helps cover the prices of a car accident, theft, or vandalism.
We ranked enterprise insurance companies primarily based on criticism knowledge for commercial legal responsibility and business property insurance in 2020. Complaint knowledge is predicated on complaints upheld by state insurance coverage departments in every state and collected by the National Association of Insurance Commissioners. Travelers offers business insurance coverage coverage options to handle the administration liability and crime coverage car and auto insurance quotes needs of monetary establishments and banks. No single small business insurance policy covers all risks. Different types of commercial insurance coverage handle different accidents, lawsuits, and damages that could influence a business. You can obtain an inventory of licensed brokers in your state via your state’s department of insurance coverage or the National Association of Insurance Commissioners.
Combine common liability and industrial property into one policy to protect your corporation. We know it could be tough to sort out what coverage you want for your business. That’s why we developed an excellent fast on-line enterprise insurance coverage quote process.
From a customer’s bodily damage to your personal tools breaking down, having the right small enterprise insurance coverage helps you plan for the surprising and handle your bottom line higher. Let’s break down the best business insurance coverage for your wants, what it covers, and the means to get a quote—fast. A enterprise house owners policy is an inexpensive method to get essential coverage for a small business. General liability insurance coverage, commercial property insurance and business interruption insurance are all included in a BOP. Without small business insurance coverage, you’d have to pay for the authorized prices of lawsuits and discover a method to pay for harm to your business property. General liability insurance and business property insurance are good places to begin out.
In return, you could possibly keep away from paying a a lot larger quantity after an accident or mistake. If you’re pressured to go to court docket to defend your small enterprise. I had an pressing contractual requirement for insurance coverage in December to pay earlier than the tip of the yr.
Availability of protection referenced on this doc can depend upon underwriting skills and state laws. This coverage, additionally referred to as errors and omissions insurance (E&O), might help cover legal expenses if a enterprise lawyer insurance is sued for a mistake, missed deadline, or other unsatisfactory work. This policy supplies property coverage for enterprise items used in the field. It usually pays for property that has been misplaced, damaged, or stolen.
With greater than ninety years of experience, AIG’s marine trade professionals perceive the needs of oceangoing and inland marine service businesses. Our aviation professionals will work with you to customise coverage options that can help minimize risks and maximize safety – to assist hold your operations aloft. This policy offers safety in situations of non-employee bodily damage or injury to third-party property. Also called errors & omissions, this insurance covers alleged or actual errors and failures to carry out a service. Home Based Business – Your homeowners insurance alone may not present enough protection for your corporation. Information specific to home-based businesses, and to help corporations submit claims after incurring storm damage, can be right here.
Click right here to Navigate Business Owners Policy If you’re on the lookout for enterprise homeowners insurance however don’t know the place to begin, we now have the answer. Our Business Owners Policy combines basic liability and property protection into one, inexpensive insurance package deal. Click here to Navigate Technology You need know-how insurance that may keep up with the ever-changing state of the trade.
Learn more aboutour Industry Practices, or click on an icon under for a selected commercial sector. A leader in insuring industrial automobiles, we provide a broad vary of reasonably priced business insurance coverages to help auto and trucking prospects protect their enterprise. We’re an insurance coverage company backed by greater than 200 years of experience and we’ve helped greater than 1 million small business house owners. We can work with you to get the forms of business insurance your company wants. Get a business insurance coverage quote at present and learn how we might help you. Professional liability insurancehelps cowl lawsuits claiming that you simply made a mistake in the services you provided.
These key insurance policies can defend you from common accidents, lawsuits, and damages. Our expert brokers can supply advice primarily based in your unique wants. This helps protect your corporation and its property in the occasion of a lawsuit for issues like negligence, bodily harm, property injury, libel and slander. Commercial auto insurance helps cowl the price of an auto accident should you or your employee is at fault.
If you get into an accident while driving the automobile for business, your private insurance coverage won’t cover the declare. Cyber legal responsibility insurance pays for recovery prices in case your laptop system and knowledge will get hacked. Errors & omissions (E&O) pays for legal responsibility prices if a buyer or consumer accuses you of constructing a mistake in your skilled companies.
Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to promote sure insurance coverage products and may receive compensation from insurance coverage companies for such sales. Policy obligations are the solely real accountability of the issuing insurance coverage firm. A BOP bundles industrial property insurance and basic legal responsibility insurance underneath one plan. It’s one of the most cost-effective commercial insurance insurance policies.
Personal strains insurance coverage includes property and casualty insurance products that shield people from losses they couldn’t cover on their own. As companies evolve, they need a stable, adaptive insurer that’s all the time wanting forward. We present comprehensive, tailor-made business insurance coverage options with expertise and care to assist defend your folks, property, and status. We provide broad options to assist your business scale back dangers in vary of unique offers. Our protection choices embody Representations & Warranties, Tax Liability, and Contingent Liability insurance.
Phone and chat help may be limited on Monday, 5/30 as we honor Memorial Day. You can still entry your account and apply for quotes on-line. How you could get assist finding the proper coverage at the right value. David Kindness is a Certified Public Accountant and an expert within the fields of economic accounting, company and particular person tax planning and preparation, and investing and retirement planning. David has helped thousands of clients enhance their accounting and financial techniques, create budgets, and reduce their taxes. Julia Kagan has written about private finance for greater than 25 years and for Investopedia since 2014.
There are many forms of insurance for companies together with protection for property harm, authorized liability and employee-related dangers. Business insurance coverage protection is important to defending your organization from risks, together with property loss and repairing or changing property, corresponding to after a fire, storm or theft. Business insurance coverage might help cowl the costs of legal claims made in opposition to your business and might help cowl an injured employee’s misplaced wages.
Holly Burton worked with The Hartford to send me an invoice around Christmas. Save money by evaluating insurance quotes from a quantity of carriers. License / allow bonds provide ensures a enterprise will perform the contracted work and cling to state or city regulations. Finding the best insurance for your small business is our top objective.
All content material and supplies are for common informational functions only. Complete Insureon’s on-line software and make contact with one of our licensed insurance professionals to acquire advice in your particular enterprise insurance wants. It’s simple to get small enterprise insurance in case you have your business data on hand. An insurance coverage utility will ask for primary details about your business, corresponding to revenue and number of staff.
Business insurance typically includes a package deal of various kinds of protection — what the insurance business calls policies. We’re able to answer your whole questions about our providers and your insurance needs. Use our easy on-line utility to enter your info and get personalised quotes from a number of top A-rated insurance coverage carriers. Start a quote and we’ll find you the most effective coverage choices.
Workers compensation insurance provides several benefits to employees who’re sick or injured because of their jobs. This consists of medical care, physical therapy and compensation for misplaced wages. Death advantages for an employee’s household are available if an employee passes away from a work-related sickness or harm. Commercial property insurance coverage covers numerous enterprise items together with computer systems and workstations, desks and chairs, enterprise data, enterprise stock and supplies. Commercial property insurance coverage can also cover a business’s office and business constructing. Commercial property insurance covers the physical property of your small enterprise, similar to hearth injury or theft.
The former editor of Consumer Reports, she is an professional in credit and debt, retirement planning, house ownership, employment issues, and insurance. She is a graduate of Bryn Mawr College (A.B., history) and has an MFA in creative nonfiction from Bennington College.
I completed the quote request, got a call from my agent to discuss which quotes greatest match my needs, and had the coverage in place within 10 minutes. Fidelity bonds compensate clients for employee theft, including theft by digital funds transfer. Select your state to find out about insurance coverage necessities for your business insurance small enterprise. Submit claims, verify standing of disability or depart, and see payments. To search specifically for more than one word, put the search term in citation marks. The presents that seem in this desk are from partnerships from which Investopedia receives compensation.
Going by way of our online quote course of or talking with certainly one of our insurance experts are two great methods to higher perceive your needs. However, there are some “rules of thumb” to make use of as guidance. If you could have property like tools and furnishings, or when you own buildings, a business owners policy (also known as property & liability insurance) is important. And in case you have staff, you’ll need a workers’ compensation coverage. Commercial auto insurancehelps protect you and your employees on the street when you drive company-owned autos for business.
Whether you’ve questions about insurance options or need assistance with a declare, we’re right here to assist. Business property insurance helps defend your owned or rented building, tools and the gear you employ to operate. Commercial strains insurance coverage helps maintain the economy operating smoothly by protecting businesses from potential losses they couldn’t afford to cowl. Business insurance coverage accounts for about half of the U.S. property casualty insurance coverage trade, and consists of many insurance coverage merchandise often known as “commercial strains”.
This coverage covers the worth of a enterprise’s physical construction and its contents, corresponding to stock, equipment, and furnishings. Together.Small business quote Start your quote with one click.Upcoming Liberty webinars Connect with main threat management experience. We offer industry-specialized protection to help safeguard your company towards environmental exposures. However, it is dependent upon the state you’re in and the type of insurance you’re in search of. We insure your small enterprise immediately, and not utilizing a middleman or insurance coverage broker, so we pass that financial savings on to you – up to 20% lower than policies with different insurance coverage corporations. Get a quote entirely on-line or communicate with considered one of our insurance coverage consultants right away for help getting a quote, shopping for a policy, or answering any questions you might have.
The bottom line is that small business insurance coverage protects your backside line. It may help you shield your profits from costly claims, inspire confidence in current and potential clients, and help you access more business alternatives. In fact, shoppers and companies across industries typically ask for proof of insurance coverage from the individuals they contract with. Some states even require insurance coverage and proof that you’ve got it. That implies that if you would like to get the best jobs, you’ll want to have a Certificate of Insurance available. Workers’ compensation covers the prices associated to your employees’ workplace accidents and illnesses, and it’s required in nearly each state.
Our services and options might help your business manage dangers, forestall losses, and resolve breaches. Certain types of coverage could additionally be required in your state and in your type of business. Plus, some corporations require that the businesses they work with have insurance coverage and some landlords require that you have insurance protection. Our enterprise insurance coverage specialists might help you perceive what sorts of policies you need. Get a convenient on-line small business insurance coverage value quote. It takes just some minutes and you’ll even buy a coverage proper from our website.
General legal responsibility insurance coverage includes coverage for injury to popularity similar to slander or libel and copyright infringement. Commercial auto insurance covers the automobiles you utilize for business purposes. A personal auto insurance policy typically doesn’t extend to business use of a vehicle. Click right here to Navigate Errors & Omissions Certain industries like manufacturing and contracting face an elevated risk of accidents, which requires an elevated level of coverage. Protect your unique firm and employees with our important errors and omissions insurance coverage.
With more than 100 years of experience, we now have built a broad range of innovative companies, all delivered domestically in your neighborhood. Travelers might help both people and companies – starting from small to multi-national firms – with their surety bond needs. Policies that fit your unique obligations and exposures – whether or not you’re a personal, public, nonprofit or a financial establishment. It’s easy to get a free quote for residence insurance from Travelers in just some minutes. Based licensed insurance coverage advisors are standing by to reply your questions. Keep your building, inventory and gear protected against fireplace or water harm.
We may help shield in opposition to the risk of a customer default on sales made on credit score terms. We supply skilled underwriting capabilities, services, and solutions, together with insurance to assist shield your accounts receivable and strengthen your company. BiBERK has over 200,000 glad clients and focuses solely on small businesses. Why is biBERK the business insurance firm so many organizations rely on?
Professional liability insurance helps defend you and your company if you’re found negligent in the skilled services you offered to a client, even if you didn’t make a mistake. At the very least, businesses ought to insure against third-party harm, but complete automobile insurance coverage will cowl the automobile in an accident, as well. If staff are using their very own vehicles for enterprise, their own private insurance coverage will cowl them within the event of an accident. One major exception is that if an individual is delivering goods or services for a charge, together with supply personnel. Pennsylvania companies have many and various insurance coverage wants. These embrace defending the enterprise itself, in addition to masking workers by way of well being and workers compensation insurance.
Product legal responsibility insurance coverage protects crafters, makers, and producers against the costly penalties of harm or harm arising from the sale of products like jewelry, candles, or soap. It’s out there as a half of common liability insurance coverage protection on Thimble’s monthly and annual policies. Professional legal responsibility insurance coverage, additionally called errors & omissions (E&O) insurance coverage, covers claims of monetary loss because of providing—or failing to provide—professional providers correctly.
For greater than 30 years, we have offered end-to-end warranty coverage to massive and revered brands. Learn extra about AIG’s customized safety insurance coverage options for directors and officers in opposition to claims by opponents, shareholders, and regulators. Protect your small business and assets with coverage for claims that exceed the boundaries of your current biBERK legal responsibility coverage. This coverage covers injury to and lawsuits from the operation of company-owned or leased automobiles. BiBERK is proud to be part of Warren Buffett’s Berkshire Hathaway Insurance Group.
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