Cyber liability insurance provides coverage to help protect businesses from data breaches and other cyber security issues. In todays world it is no longer a question of “if” your organization will suffer a breach, but rather “when.” At Skipworth we have access to multiple carriers with a slew of cyber insurance options which provide access [...]

Work Comp


Workers compensation is often a mandatory form of insurance for businesses, which provides wage replacement, and medical benefits to employees injured in the course of employment. This form of insurance serves two purposes: It provides medical care and compensation for a portion of the income that injured workers lose while they are unable to return [...]

General Liability


Liability insurance is designed to protect the business against losses in the event that they are found to be negligent or liable for property damage or bodily injury to third parties. CGL is a standard form of insurance issued to business organizations to protect them against liability claims arising out of premises, operations, products, and [...]

Business Auto


Commercial auto liability coverage provides protection for vehicles owned or leased by a business. Policies usually include physical damage coverage for your vehicle as well as bodily injury and property damage to others. Business auto liability insurance helps cover the financial responsibility if you or an employee is at fault in an accident and people [...]



A policy designed to provide protection against catastrophic losses. It generally is written over various primary liability policies, such as the business auto policy (BAP), commercial general liability (CGL) policy, watercraft and aircraft liability policies, and employers liability coverage. The umbrella policy serves three purposes: it provides excess limits when the limits of underlying liability [...]



The purpose of property insurance is to provide critical financial assistance in the event of a loss, so that the business can continue to operate with as little disruption as possible. Commercial property insurance helps businesses pay to repair or replace property that was damaged by a fire, storm, or other events covered by the [...]