The Guardian Insurance Broker

We are Guardian Insurance Broker, Inc, (GIB), a leading global insurance organization providing a wide range of property casualty insurance and other financial services.

Guardian Insurance Broker Inc. (GIB) is a leading global insurance organization. GIB member companies provide a wide range of property casualty insurance, life insurance, retirement solutions, and other financial services to customers. These diverse offerings include products and services that help businesses and individuals protect their assets, manage risks and provide for retirement security. GIB common stock is listed on the Erbil Stock Exchange.

GIB is the marketing name for the worldwide property-casualty, life, and retirement and general insurance operations of Guardian Insurance Broker Inc. All products and services are written or provided by subsidiaries or affiliates of Guardian Insurance Broker, Inc. Products or services may not be available in all countries and jurisdictions, and coverage is subject to underwriting requirements and actual policy language. Non-insurance products and services may be provided by independent third parties. Certain property-casualty coverages may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds, and insureds are therefore not protected by such funds.

Business Insurance

What is Business insurance?

Business insurance is a type of insurance coverage specifically designed to protect businesses from various risks and potential financial losses. It offers financial protection and peace of mind to business owners by covering liabilities, property damage, employee-related risks, and other perils that could impact the business's operations and assets.

Types of Business Insurance:

  • General Liability Insurance: Protects against third-party claims for bodily injury, property damage, and personal injury due to business operations or products.
  • Property Insurance: Covers the physical assets of the business, such as buildings, equipment, inventory, and furniture, against perils like fire, theft, vandalism, and natural disasters.
  • Business Interruption Insurance: Provides coverage for lost income and ongoing expenses if the business is temporarily unable to operate due to covered perils.
  • Professional Liability Insurance (Errors and Omissions or E&O): Protects against claims of negligence or errors in providing professional services or advice.
  • Workers’ Compensation Insurance: Provides benefits to employees injured or disabled in the course of employment, covering medical expenses and lost wages.
  • Cyber Liability Insurance: Protects against data breaches, cyberattacks, and other cybersecurity risks.
  • Directors and Officers (D&O) Insurance: Shields corporate directors and officers from liabilities arising from their decisions.
  • Employment Practices Liability Insurance (EPLI): Covers claims related to employment-related issues, such as wrongful termination and discrimination.
FAQ - Questions and Answers

frequently asked questions

Business insurance is essential to protect your business from unexpected events that could lead to significant financial losses. It provides peace of mind and helps ensure the continuity of your business operations in the face of various risks.

Certain types of business insurance may be legally required depending on the location and industry. For example, workers' compensation insurance is often mandatory for businesses with employees. However, other types of insurance may be voluntary but strongly recommended to protect the business from specific risks.

Yes, business insurance policies can often be customized to suit the specific needs and risks of your business. You can choose coverage limits, add endorsements, and adjust deductibles based on your business requirements.

Business insurance premiums are based on various factors, including the type of coverage, the size and nature of the business, the industry, past claims history, and the level of coverage chosen.

Business insurance provides coverage for a wide range of risks, but it may not cover all possible risks that your business may face. It's essential to work with your insurance provider to understand the specific inclusions and exclusions of your policy.

In the event of a covered loss or incident, you can file a claim with your insurance provider. The insurance company will review the claim and assess the damages or liabilities according to the terms of your policy.

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