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Whether you're a one-person operation or have a firm of 20+ attorneys, our team of professional know the right coverage you should have on your Professional Liability policy. Get started with a thorough cost analysis and quote comparison today!

GLP-1 Compounding & Digital Health: What Founders Need to Know About Product Liability Risk

Digital health is moving fast and nowhere faster than in the world of GLP-1 weight loss medications. Platforms offering semaglutide or tirzepatide-based treatments (including compounded versions) are scaling quickly. But behind the growth lies a complex and growing risk: product liability exposure. If your company offers compounded GLP-1s […]

Understanding Business Income Insurance: What Most Owners Get Wrong

When most business owners think about insurance, they immediately think about property coverage. If a fire, hurricane, or flood destroys your building or equipment, property insurance will repair or replace what was damaged. But here’s the catch: what about your income while you’re shut down? That’s where Business […]

Is Your Email the Weakest Link in Your Cybersecurity Plan? Here’s Why It Matters

When business owners think about cybersecurity, they usually picture expensive software, high-level hacks, or IT departments throwing around buzzwords. But the truth is, most successful cyberattacks don’t start with a data breach or a firewall failure. They start with something simple: your email. In fact, email accounts are […]

How to Calculate Business Income Insurance Coverage (Without the Headache)

Understanding how to calculate your business income insurance coverage is one of the most important steps to protecting your company from unexpected interruptions. Whether you call it business income coverage, business interruption insurance, or income loss protection, getting the right number on your policy matters. In this guide, […]

Avoiding Common Pitfalls in General Liability Audits: A Roadmap to Success

General liability audits can feel overwhelming, especially if you are not sure what to expect. But with the right preparation and awareness of common pitfalls, the audit process can be smooth, efficient, and even beneficial to your business. At The Bunker Insurance & Risk Management, we help business […]

How to Protect Your Restaurant from Employee Lawsuits

From wrongful termination to wage disputes, the risk of employee lawsuits in the restaurant industry is very real and it’s only growing. Even if you’ve done everything “by the book,” just one employee claim can trigger a lawsuit that costs tens of thousands of dollars in legal fees, […]

The Bunker Talk: Ep 26 Never too Late to Start with David Hand

In this latest episode of the The Bunker Talk, we sat down with an incredible business owner David Hand to discuss the real, behind-the-scenes struggles of running a business and the invaluable lessons they’ve learned along the way.   Episode Highlights:   In this conversation, we dive deep into what […]

Essential Resources for Contractor Insurance Compliance: Mastering ‘As Per Written Contract’

For contractors, staying compliant with insurance requirements is a must. It’s not just about avoiding headaches—it’s about keeping projects on track and your business protected. A key phrase you’ve probably seen on Certificates of Insurance (COIs) is “as per written contract.” While it may seem simple, this phrase […]

The Bunker Talk: Ep 25 Creating a Winning Culture with Mariano Demarin

In this latest episode of the The Bunker Talk, we sat down with an incredible business owner Mariano Demarin, owner of Home Port Insurance to discuss the real, behind-the-scenes struggles of running a business and the invaluable lessons they’ve learned along the way.  Episode Highlights:  In this conversation, […]

How Electricians Can Reduce Workers’ Comp Costs Without Sacrificing Safety

If you’re an electrician running your own business, you already know that Workers’ Compensation is one of your biggest expenses. But what if there were legal, strategic ways to reduce your premium without cutting corners, and without putting your team at risk? At The Bunker Insurance & Risk […]

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Frequently Asked Questions

What is E&O/Malpractice/Professional Liability?

A bond in layman's terms is a way to secure a debt.

It is a way of you the consumer, being able to put up a little cost upfront that says “I am letting you borrow this money so as to your agreement to pay the face value of the said bond if ever needed”. In the real world, bonds can be issued by a government, municipality, corporation, federal agency, and other entities.

What does E&O cover?

A surety bond is a contract between three parties. The person who is the recipient of an obligation, the primary party who will perform the contractual obligation and the person who assures the obligation will be done.

What is Defense Outside of Limits coverage?

These bonds are a type of surety bond. They provide a proof and guarantee of ownership to the Department of Motor Vehicles. When no other form of documentation is available a Lost Title Bond shows the DMV that you are the “owner” of said vehicle.

What is First Dollar Defense?

Contractor bonds are one of the most “popular” bonds you will see asked for in the insurance space. Contract bonds are used in the construction industry by general contractors. They are a guarantee to a project’s owner that the general contractor will adhere to the contract put in place.

What is the Fee Suit Exclusion?

These types of bonds function as a guarantee to a government entity that a company will comply with a statute, state law, ordinance, etc.

Some examples are but not limited to:

What is Mutual Choice of Counsel?

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What is Disciplinary Proceeding Defense?

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