Property & Casualty

GENERAL LIABILITY

Business insurance does more than protect your business from natural disasters, but also from premises and operations, products and completed operations, contractual and advertising liability. We all know that in today’s litigious society, a simple slip and fall or burn can turn into a lengthy legal process. We are here to ensure it doesn’t hamper your productivity and cash flow.

Through active risk management and risk transfer (hold harmless agreements, additional insured status, waivers of subrogation and certificate monitoring, among others) we will strive to be your trusted resource allowing you to boldly grow and expand your business with the knowledge that we will be there when mistakes happen. So, from restaurants to apartment and office buildings to machine shops and grain elevators, contact Kato Insurance professionals for customized products and services to ensure financial stability in the wake of the unexpected.

WORKMAN’S COMPENSATION

“Take away my men, but leave my factories, and soon grass will grow on the factory floors. Take away my factories, but leave my men, and soon we will have a new and better factory.”

                                                                                                                    – Andrew Carnegie

Your employees are your most important asset. Getting them back to work after an injury is extremely important to maintain productivity and meet your deadlines and customers expectations. It is also important for your employee’s morale to get them contributing in any way, shape or form possible. Here at Kato Insurance, we represent companies that understand the position having an injured employee puts you in. Through loss control, safety meetings and return-to-work programs, we strive to reduce your accidents in the workplace as well as bring your employees back as expediently as possible to control your loss experience, and thus your bottom line.

PROFESSIONAl LIABILITY

If your business is based on advice, paperwork and making decisions on behalf of others, general liability alone is not enough to ensure you will be protected. These specialized fields each require their own unique coverage forms to protect against suits brought in relation to errors and omissions made throughout the course of doing business. Trustees, directors and officers, real estate agents, accountants and property managers are just a few examples of individuals and businesses we have products designed for. Let us explain the claims made form, retroactive dates, extended reporting period and other unique characteristics of this coverage so you can conduct your business with the confidence that you have counted on to make it grow.

MANAGEMENT LIABILITY

CYBER LIABILITY

If you store credit card information, social security numbers or other sensitive customer information, this coverage is for you. Most business owners take steps to secure their computer systems, but the reality is that no system is impenetrable. Recovering from a breach can be expensive and time consuming. Determining the cause and extent of the breach, complying with the notice laws, correcting damage, public relations and potential lawsuits from customers can truly devastate a business. Whether it is a data breach or accidentally posting private information on your Facebook page, we have the coverage available to protect your business with our cyber liability products.

UMBRELLA/EXCESS