Commercial Auto

Our auto policies provide coverage for legal liability caused by an accident or physical damage resulting from collisions or other incidents. You can also select coverage to fill common gaps, such as coverage for business drivers without a personal auto insurance policy and lease gap coverage.

 

By |June 4th, 2014||Comments Off on Commercial Auto|

Inland Marine

Property insurance for property in transit over land, certain types of moveable property, instrumentalities of transportation (such as bridges, roads, and piers, instrumentalities of communication (such as television and radio towers), and legal liability exposures of bailees. Many inland marine coverage forms provide coverage without regard to the location of the covered property; these are sometimes called “floater” policies. As a group, inland marine coverage forms are generally broader than property coverage forms.

By |May 2nd, 2014||Comments Off on Inland Marine|

Property Insurance

One of the most common types of business insurance is commercial property insurance, which provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, wind and other natural or manmade disasters are examples of what is typically covered.

Insuring Buildings
Flood Insurance
Business Personal Property Coverage
Business Income (Business Interruption Coverage)

By |May 2nd, 2014||Comments Off on Property Insurance|

Excess Liability

When you need additional liability protection above an Umbrella Liability policy, Excess Liability insurance follows the terms and conditions of your Umbrella.  This policy can provide significant limits that enable your company to construct an excess liability program with fewer carriers and consequently less concern about potential coverage differences.

 

By |May 2nd, 2014||Comments Off on Excess Liability|

Commercial Umbrella

When a catastrophic liability loss occurs, an umbrella insurance policy can mean the difference between a business surviving, or not.

The rising costs of lawsuits and judgments are important for today’s business owner to consider. Catastrophic liability losses can happen to any business at any time, and a commercial umbrella policy protects you when those losses exceed your basic liability coverage. The time and effort you have taken to build your business is too important for it to disappear after one unforeseen event.

By |May 2nd, 2014||Comments Off on Commercial Umbrella|

Surety / Bonding

A surety bond is an agreement under which one party, the surety, guarantees to another, the owner or obligee, that a third party, the contractor or principal, will perform a contract in accordance with contract documents or fulfill the obligation according to the agreement.

By |May 2nd, 2014||Comments Off on Surety / Bonding|

General Liability

General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.   There are, of course, conditions, exclusions and limitations.  Make sure you read and understand your policy and its provisions and discuss any questions or concerns with your agent.

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

 

By |May 2nd, 2014||Comments Off on General Liability|

Workers Compensation

Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.

By |May 2nd, 2014||Comments Off on Workers Compensation|