Why Specialty Insurance Matters for Your Protection

​Insurance is an essential safeguard that protects businesses, individuals, and organizations from unexpected financial burdens. While standard insurance policies cover common risks, specialty insurance is necessary for non-profits, ATVs, golf carts, events, cyber security, cannabis businesses, classic cars, pets, dental and vision care, bonds, and much more. 

​Each of these policies provides coverage tailored to unique risks that traditional insurance does not address. At Gerard Insurance Services, we help ensure that you, your assets, and your business are protected from the unexpected.

Non-Profit Insurance –
​Protecting Organizations That Give Back

​Non-profit organizations dedicate themselves to serving the community, but they face legal, financial, and operational risks that require specialized insurance coverage. ​

Without proper insurance, non-profits can face financial ruin
due to lawsuits, accidents, or property damage.

• ​General Liability Insurance: Covers accidents, injuries, and property damage at fundraising events or on premises.
• ​Workers’ Compensation: Ensures protection for employees and volunteers.

• ​Directors & Officers (D&O) Insurance: Protects leadership from personal liability in lawsuits.
• Property Insurance: Covers office buildings, supplies, and donated inventory.

ATV & Golf Cart Insurance –
​Coverage for Recreational Vehicles

Whether you’re off-roading or driving through your neighborhood, ATV and golf cart insurance provides:
​

• Liability Coverage: Protection if you cause injury or damage to others.
• Collision & Comprehensive: Covers theft, vandalism, and accidents.
• Medical Payments: Helps cover medical costs for riders and passengers.
• Property Insurance: Covers office buildings, supplies, and donated inventory.

Homeowners' insurance does not fully cover these vehicles,
​making a separate policy necessary.

Event Insurance –
​Coverage for Special Occasions

If you are planning a wedding, fundraiser, or corporate event, event insurance safeguards against:
​

• ​​Event Cancellations: Covers non-refundable deposits if unforeseen circumstances force cancellation.
• Property Damage: Protection for rented venues, tents, and equipment.
• Liquor Liability: Required if alcohol is served at your event.                     

Many venues require event insurance,
ensuring you’re covered against liability and damages.

Cyber Insurance –
​Protecting Your Digital Assets

​As cyber threats grow, businesses face risks from data breaches, hacking, and cyberattacks. 

Cyber insurance covers:
​

• Data Breach Liability – Protects sensitive customer and business data.
• Ransomware Protection – Covers financial losses from cyber extortion.
• Legal Fees & Compliance Costs – Helps with regulatory penalties.​

​Any business that stores customer data or operates
online should invest in cyber insurance.

Cannabis Insurance –
​Protection for a Growing Industry

The cannabis industry faces unique risks, including compliance issues, product liability, theft, and property damage. 

Specialized cannabis insurance covers:

• Dispensary & Grower Insurance – Protects inventory, property, and equipment.
• Product Liability – Shields against claims related to product safety.
• Workers' Compensation – Covers injuries sustained by employees.

Without cannabis insurance, businesses risk financial loss
​due to theft, fires, or legal claims.

Classic Car Insurance –
​Coverage for Rare & Collectible Vehicles

Standard auto insurance doesn't provide adequate coverage for classic cars.

Classic car insurance offers:
​

• Agreed Value Coverage: Ensures your car is insured for its true worth.
• Restoration Coverage: Covers repairs and enhancements.
• Limited Use Policies: Lower rates for classic cars driven occasionally.

If you own a vintage or custom car,
​proper insurance ensures your investment is protected.

Click on the truck for a quote

Pet Insurance –
​Care for Your Furry Family Members

​Veterinary costs can be unexpected and expensive.
​ 
Pet insurance covers:
​

• Accidents & Illnesses: Emergency treatments, surgeries, and medications.
• Routine Care: Vaccinations, wellness visits, and check-ups.
• ​Chronic Conditions: Coverage for long-term illnesses like diabetes or arthritis.

Having pet insurance provides financial security and
​ensures your pet gets the best care.

Dental & Vision Insurance –
​Essential for Overall Health

Medical insurance does not always include dental and vision care, making separate policies necessary.
​
​Coverage includes:
​

• Preventative Care: Regular cleanings, exams, and eye check-ups.
• Major Procedures: Coverage for braces, root canals, glasses, and contacts.
• ​Lower Out-of-Pocket Costs: Reduces expenses for essential healthcare needs.​                  

Having dental and vision insurance keeps your healthcare costs manageable.  

​Bond Insurance –
​Strengthening Business Credibility

Bond insurance is critical for contractors, businesses, and professionals that require licensing and compliance.
​ 

• Surety Bonds: Guarantees project completion and protects clients.
• Fidelity Bonds: Covers employee dishonesty or theft.
• ​Notary Bonds: Required for notary publics to operate legally.

Without bond insurance,
​many businesses cannot obtain contracts or legally operate. 

Do You Need Additional Coverage?

Other important specialty coverages include:
​

• Farm & Ranch Insurance – Protection for agricultural businesses.
• Flood Insurance – Essential for properties in flood zones.
• ​Rental Property Insurance – Protection for landlords and real estate investors.

If you have specific coverage needs, 
our team at Gerard Insurance Services is here to
​provide customized insurance solutions.

​Get a Free Quote Today!

Don’t wait until it’s too late-protect your car, motorcycle, RV, or boat with the best insurance coverage available.  
​
Contact Gerard Insurance Services today for a free, no fee, no-obligation quote 
​and let us help you secure peace of mind.