JoAnne Hammer (CIC) headshot for Insurance Canopy.

JoAnne Hammer, CIC

Program Manager

About JoAnne Hammer

JoAnne Hammer is the Program Manager for Insurance Canopy. She has a Bachelor’s Degree in Business Admin with a Minor in Marketing and has held the prestigious Certified Insurance Counselor (CIC) designation since July 2004.

JoAnne works with insurance carriers to negotiate superior insurance coverage that can evolve with the industry in order to better-serve small business owners and professionals seeking liability insurance.

JoAnne maintains up to date market knowledge in the small business liability insurance space by consistently evaluating competitors’ insurance policies and offerings. This ensures that Insurance Canopy has innovative and industry-focused coverage.

JoAnne understands that starting and operating a business takes a tremendous amount of time, dedication, and financial resources. She believes that insurance is the single best way to protect your investment, business, and personal assets.

JoAnne and her husband run a small business and she personally knows the struggles faced by business owners in today’s economy. She uses this knowledge in her insurance career to provide businesses small or large with comprehensive, yet competitively priced insurance coverage.

What kind of work do you do?

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    Exclusions

    This policy is not designed to cover:

    • Industrial control engineers
    • Defense contractors
    • Medical software companies
    • Crypto exchanges
    • Gambling platforms
    • Physical security system installers
    •  Heavy equipment integrators

     

    Not available if you manage or control systems involving:

    • Pressure or ventilation systems
    • Fire suppression or explosives
    • Hazardous materials
    • Radiation or pharmaceuticals
    • Water supply or waste management
    • Energy, fuel, mining, construction
    • Environmental systems
    • Aircraft, drones, spacecraft
    • Watercraft, trains, automobiles, motorcycles
    • If you build firmware or embedded software controlling industrial physical equipment.
    • If you support:
    • Military operations
    • National defense
    • Homeland security
    • Law enforcement
    • Weapons
    • Anti-terrorism
    • Public safety
    • Surveillance
    • Crime detection
    • Emergency response
    • Physical security systems
    • If more than 25% of your revenue comes from:
      • Federal government work
      • Military or defense operations
    • If more than 50% of your revenue comes from:
    • Equipment installation
    • Maintenance
    • Physical service work



    Restricted if you work in:

    • Ride-sharing platforms
    • Equipment sharing platforms
    • For-rent-by-owner platforms
    • Help-for-hire platforms
    • Delivery services
    • Banking or financial services
    • Cryptocurrency / blockchain / NFTs
    • Geospatial mapping / aerial photography
    • GPS systems
    • Gambling or gaming
    • Dating or sexually suggestive content
    • Violence-related content
    • Alcohol, marijuana, CBD
    • Tobacco / nicotine / e-cigarettes
    • Flammable or electrical products
    • Food-related services

    Our licensed, U.S.-based agents are here for you from 8 a.m. to 8 p.m. Eastern, Monday through Friday, so they can enjoy evenings and weekends with the people who matter most.