As business processes and dynamics change with time, companies must re-evaluate their risks and coverage and evolve with the new exposures in order to fully protect assets and operations. Current programs must be modified to react to these new elements and new programs must be comprehensive in covering all relevant areas.

EBS Capstone is seasoned in helping companies build and implement the right kind of insurance programs that emerging, middle market and businesses in transition need. We can convert traditional programs to meet the new challenges of today's economy as well as create programs from scratch that seamlessly fit in with your organization.

EBS Capstone is aware of the risks and coverage needed to successfully run a business, providing our clients with the peace of mind they need to focus on their core business. We partner with all of our clients to develop customized and innovative risk management programs for your business. The effectiveness of your program is based upon the development, implementation and administration of your insurance strategy. We are there every step of the way reviewing your needs, planning for long-term goals and keeping abreast of critical issues associated with your company's growth.

As a property and casualty broker, EBS Capstone focuses on the traditional lines of coverage that include, without limitation:

• Property Coverage
• General Liability Coverage
• Umbrella/Excess Liability
• Transit
• Foreign Travel/Locations Coverage
• Worker's Compensation Coverage
• Intellectual Property Liability
• Errors and Omissions
• Products Liability/Clinical Trials

Errors and Omissions (E&O)

At some point in the early stage, the contractual requirement for Errors and Omissions (E&O) is a virtual certainty. Negotiating the vagaries of the E&O landscape can be a difficult and potentially expensive endeavor unless an experienced broker is involved. The EBS Capstone team has over 20 years of combined experience in managing and placing E&O insurance. Our team will conduct a detailed risk analysis of your company's operations and use our distinct acumen and aggressive negotiation tactics to implement an Errors and Omissions policy that accurately reflects your company's operations and budget.

Products Liability/Clinical Trials

EBS Capstone has developed an effective and dynamic risk management strategy specifically designed to shield you and your company from the multitude of exposures inherent in managing product liability exposure. Our team also has great depth and acumen in managing clinical trial exposures. Our Life Science Practice comprises a dedicated team of industry professionals who specialize in pharmaceutical, biotechnology, and medical device risk management.

Intellectual Property Liability

With the rapid availability and exchange of information in today's marketplace, covering your business's identity and products or services at an early stage is extremely important. This is a growing area of potentially costly legal action, involving copyright, trademark, patent and licensing infringement. Protection for patent infringement, content development, source code, trademark and copyright exposures is a wise investment when developing your insurance package and is usually less expensive when taken out in the early stages. It also serves as a deterrent and can lessen the likelihood of having to pursue litigation.

Through our experience, EBS Capstone can create innovative solutions to protect your intellectual property and help maintain your competitive position in the marketplace.