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Stockbrokers are individuals or firms who act as middlemen between investors and stock sellers. They accept money from customers and invest the funds into the stock market on behalf of their customers. Stockbrokers may also provide assistance to customers in deciding which stocks to invest their money in.

General Liability Insurance for Stockbrokers – Slip/trip/fall hazards for stockbrokers can be reduced by a number of common sense practices. Floor coverings inside the building should be clean, dry and free of defects and worn spots. All wiring from equipment and computers should be properly managed to prevent trip and fall accidents. Walk spaces between objects such as furniture, displays, and walls should be adequate for easy passage.

Workers’ Compensation Insurance for Stockbrokers – Stockbrokers and their employees may suffer from repetitive motion injuries to fingers, hands, arms, shoulders, neck, and back as a result of using computers on a regular basis. Eyestrain is also a concern when looking at computer screens. Periodic breaks may help to reduce repetitive motion injuries and eyestrain.

Business Auto Insurance for Stockbrokers – Stockbrokers and their employees often travel to meet with clients, therefore increasing their risks of automobile accidents. Employees using their own vehicles for business related travel should be required to carry Personal Auto Liability insurance with a minimum of $300,000 combined single limits. Their MVRs should also be checked and verified for acceptability.

Property Insurance for Stockbrokers – The age and construction type of the stockbrokers’ buildings are primary risk factors for fire. Buildings over 20 years of age should be updated with new electrical and wiring systems in order to reduce fire risks. Other risks of fire include potentially large amounts of paper files that are stored inside the office building. Stockbrokers that use electronic imaging and store their paper documents in a separate location will have lower fire loads. Firewalls and anti-virus protection should be installed on all servers and PCs.

Crime Insurance for Stockbrokers – The crime exposures for stockbrokerage firms may result from dishonest employees, theft of money & securities by outsiders, or electronic theft by outsiders. Pre-employment hiring screening should include detailed applications and complete background and reference checks. The use of passwords with upper and lower case letters, encryption, anti-virus software, firewalls, and SSL will help prevent electronic theft by outsiders.