Future Vanguard LLC carries commercial general liability, professional
software development errors and omissions, cyber liability, workers compensation
and employers liability, and hired and non-owned automobile liability coverage.
Forms, limits, carriers, and policy periods are listed below. These are
insurance policies. They are not a surety bond, a certification, or any form of
government approval.
- General liability
- Commercial general liability, occurrence form. Each occurrence $1,000,000. General aggregate $2,000,000. Products and completed operations aggregate $2,000,000. Damage to rented premises $50,000. Medical expense $5,000. Personal and advertising injury included.
- Professional Software Development E&O
- Errors and omissions coverage for professional software development services, claims-made form. $1,000,000 per occurrence, $1,000,000 aggregate.
- Cyber liability
- $250,000, written under the Professional Software Development E&O policy.
- Workers comp
- Workers compensation per statute. Employers liability: each accident $100,000, disease each employee $100,000, disease policy limit $500,000. Proprietor and member not excluded.
- Hired and non-owned auto
- Automobile liability for hired autos and non-owned autos only. Combined single limit $2,000,000 each accident. Bodily injury $100,000 per person and $300,000 per accident. Property damage $100,000 per accident. The company owns no vehicles.
- Policy period
- 07/28/2026 to 07/28/2027 general liability, E&O, cyber, workers comp
08/04/2026 to 08/04/2027 hired and non-owned auto
- Carriers
- Berkshire Hathaway Direct Insurance Company for general liability. National Liability and Fire Insurance Company for Professional Software Development E&O, cyber, and workers compensation. Technology Risk Retention Group, Inc. for hired and non-owned auto.
- Producers
- biBERK · Corgi Insurance Services, Inc.
Certificates of insurance available on request.