Specialty Markets

Insurance Plans We Provide

Animal Or Pet Insurance

Animal or Pet Insurance

Don’t be surprised by unexpected high veterinary bills. Infact,1 out of 3 pets will experience a severe illness and need emergency health care in their lifetime, not to mention sudden illness or injuries.

The benefit of pet insurance is that costs will be less of a factor when deciding on a major procedure. Illness and injury treatments can cost pet owners hundreds or thousands of dollars.

Get Pet Insurance today and as well as peace of mind, pet insurance protects against unexpected veterinary costs.

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Staffing or PEO Agency

A lawsuit can destroy your business. There are risks involved in running a staffing agency.

Staffing agency insurance is a set of business policies business owners can purchase to protect their assets. Each policy covers a variety of risks that many employment agencies may face by paying for the costs associated with them. We can help you with a policy that suites your business needs. Most agencies need general liability to cover third-party injuries and property damage which costs $400 to $1,000 annually.

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Staffing Or PEO Agency

Cannabis or Hemp Insurance

Hemp and CBD industries are growing at a fast pace. Effective as of 2018 it is vital that you protect your business with Hemp Insurance. In 2018 the Agricultural Improvement Act was passed (2018 Farm bill) https://www.fdli.org/2019/02/the-legalization-of-hemp/.

As a fairly new legal industry the laws continue to evolve, and it is up to you as a Hemp Industry Owner to protect your business. Whether its Workmen’s Compensation, Crop Protection, Liability Coverage, Negligence, injury due to digestion of the product, protect your business today.

Hemp Business owners are subject to the same risks and liability as other farmers.The first step to finding the right Cannabis insurance is understanding the laws and regulations as well as the social norms in your area. In many instances the cannabis industry and dispensary businesses have the same needs as any other business.

At Nucleus Insurance we can help you plan and understand what type of coverage your cannabis business and dispensary may need. From Product liability insurance, Crop Insurance, Commercial vehicle insurance, business interruption, Liability and more, Nucleus Insurance has a variety of options that suite your business strategy.

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Our Mission is to Protect
your Businesses,
Life and Much More.

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Definition

Pays medical bills and lost wages for employees injured or sickened on the job.

Why It’s Essential

Required by law in most states. Protects your staff from work-related injuries and shields your business from costly employee lawsuits.

Definition

Covers claims like wrongful termination, discrimination, harassment, or retaliation.

Why It’s Essential

Even small teams can face HR issues. EPLI ensures you’re protected against claims by current or former staff and covers legal costs.

Definition

Covers damage to your building, equipment, and furnishings from fire, theft, storms, and more. May include loss-of-income coverage.

Why It’s Essential

Your facility is your lifeline. Property insurance helps you repair, replace, and keep operating after a disaster.

Definition

Covers liability and damage involving business-owned or employee-used vehicles.

Why It’s Essential

Whether you own a van or staff use personal cars to drive residents, accidents happen. This policy ensures your business is covered no matter who’s driving.

Definition

Covers breach response costs, legal defense, and regulatory fines related to data hacks and cyber attacks.

Why It’s Essential

You store private information about residents and staff. This policy protects your finances and your reputation if that data is ever compromised.

Definition

Adds extra coverage above your existing liability policies.

Why It’s Essential

A major lawsuit can exceed your standard policy limits. Umbrella coverage steps in to cover the rest—protecting your assets and business continuity.

Definition

A broader policy covering claims of physical, emotional, or verbal abuse—not just sexual misconduct.

Why It’s Essential

Residents may misinterpret disciplinary actions or house rules. This policy defends you against claims and keeps your business financially protected.

Definition

Covers legal costs and settlements if someone is accused of sexual abuse or inappropriate behavior within your operations.

Why It’s Essential

Even an unfounded accusation can destroy your reputation. This coverage is mandatory in many programs and protects your business against one of the most serious liabilities you can face.

Definition

Also called E&O, this protects against claims of negligence, mistakes, or failure to perform professional duties. It pays legal fees and any damages awarded.

Why It’s Essential

If a resident relapses or gets hurt, their family could accuse you of failing to supervise properly. E&O protects you from these high-stakes claims not covered under general liability.

Definition

Protects your sober living home from claims of bodily injury, property damage, and advertising injury caused to third parties. Covers medical expenses, legal defense, and settlements.

Why It’s Essential

Residents, families, and service providers are constantly coming and going. A single visitor slipping on your stairs can lead to major legal expenses. This policy is often required for certification and provides a critical safety net.