Community Banks

Directors & Officers liability Insurance (D&O), is liability insurance payable to the directors and officers of a company, or to the organization(s) itself, as indemnification (reimbursement) for losses or advancement of defense costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers. Such coverage can extend to defense costs arising out of criminal and regulatory investigations & trials as well. Intentional illegal acts, however, are typically not covered under D&O policies.

A crime insurance policy is designed to meet the needs of organizations such as financial institutions (including banks). A commercial crime policy typically provides several different types of crime coverage, such as: employee dishonesty coverage; forgery or alteration coverage; computer fraud coverage; funds transfer fraud coverage; kidnap, ransom, or extortion coverage; money and securities coverage; and money orders and counterfeit money coverage. Crime insurance was developed to deal with the limitations of other policies and extend protection to include the fraudulent activities of employees.

Cyber & Data Breach Liability is designed to cover consumers of technology services or products. More specifically, the policies are intended to cover a variety of both liability and property losses that may result when a business engages in various electronic activities, such as selling on the Internet or collecting data within its internal electronic network (via credit or debit card for example). Cyber and Privacy policies cover a business' liability for a data breach in which the firm's customers' personal information, such as social security or credit card numbers, are exposed or stolen by a another party who has gained access to the firm's electronic network. The policies cover a variety of expenses associated with data breach, including notification costs, credit monitoring, costs to defend claims by state regulators, fines and penalties, and loss resulting from identity theft.

Professional Liability coverage is designed to protect professionals such as accountants, attorneys, real estate brokers, consultants, etc. from liability incurred as a result of errors and/or omissions in performing their professional services. Although there are a few exceptions such as physicians, architects, and engineers, most professional liability policies only cover economic or financial losses suffered by third parties, as opposed to bodily injury and property damage claims.

The baseline for commercial insurance programs, a General Liability policy is issued to business organizations to protect them against liability claims for bodily injury and property damage arising out of premises, operations, products, and completed operations; and also offers protection for advertising and personal injury liability that businesses are exposed to in the normal course of their daily operations.

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Our highly trained risk experts use a specialized process to assess and tailor a suite of strategies to control risk in your organization and make you more attractive to the insurance marketplace.

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Exclusive program designed to reduce Workers’ Compensation spending with proactive strategy & claims management.

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Leverage our Agency size, experience, and key relationships with top insurance companies without sacrificing the value of trusted local guidance, sense of community, and a good old fashioned handshake.

Round the clock access to report a loss or, issue certificates of insurance, or review your policies.

Whenever disaster strikes, a phone call to FBinsure means you can count on the service and attention of a real person.

Our surety team brings years of experience, accounting, banking, and finance backgrounds, and a deep understanding of your industry to provide you with construction bid and performance and payment bonds to a variety of surety, fidelity, and probate bonds.

Not a fan of waiting in line at the registry? Please join us in our Taunton or Rehoboth locations to facilitate a variety of registry transactions without the hassle of the registry.

Our premier client portal provides a vast library of resources on risk management, loss control, Human Resources, compliance, and much more. Don’t face the challenges of running a business today without the support of our team of attorneys and HR professionals to lend you guidance.

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Do you need tailored human resource assistance? Receive personal assistance from HR and legal professionals by phone or email.

Recognition by the Massachusetts Association of Insurance Agents, of our Agency’s achievement, being one of the best at providing superior knowledge, service and value.