Our Programs

Homeowners

Because sometimes the unthinkable happens, Homeowner’s insurance provides protection to homeowners from unexpected events such as fire, theft, broken pipes and storms.

Homeowners insurance provides coverage for the following:

• Physical structure of the home
• Other Structures (detached garages, sheds, guest houses, gazebos, fences)
• Personal Property
• Liability
• Medical payments
• Loss of use

Commercial Property

Commercial property insurance is essential for all businesses. It provides protection against most risks to property such as fire, explosion, burst pipes, storms, earthquakes, hurricanes, theft and vandalism and helps businesses resume operations following an unexpected disaster. Commercial Property insurance provides coverage for the following:

• Building(s)
• Business Personal Property
• Tenant Improvements and Betterments
• Business Income
• Rental Value
• Extra Expense
• Additional/Ancillary PropertyBuilding(s)

Builders Risk

During construction, anything from fire, wind, theft or vandalism could result in damages and losses that severely impact a company’s bottom line. Builder’s risk insurance provides coverage for:

• Buildings or structures under construction, including temporary storage buildings, fencing, scaffolding, retaining walls and more
• Equipment breakdown to help pay for the repair or replacement of damaged covered equipment
• Material and supplies used to build the structure that are damaged or stolen

Commercial Auto

Accidents happen and that’s why Commercial Auto insurance is an absolute must for any business using company-owned cars for business purposes. Commercial auto insurance provides coverage for the following:

• Medical expenses
• Vehicle damage
• Collision repairs
• Underinsured motorists
• Car rental reimbursement
• Towing

General Liability

Let’s face it, owning a business comes with a lot of responsibility. One of the greatest responsibilities is protecting the business from lawsuits resulting from accidents or oversight which can bring about devastating financial consequences. General liability insurance protects a business against claims resulting from bodily injury, property damage or personal injury that can happen during normal business operations.

Professional Liability

Mistakes happen and despite best intentions, oversight can result in costly damages. Professional Liability insurance provides coverage for professionals and businesses to protect against claims of negligence from clients or customers arising from:

• Alleged or actual negligence
• Missed deadlines or undelivered services
• Breach of nondisclosure or copyright infringement
• Giving incorrect advice
• Claims of libel or slander
• Data breaches

Excess Liability

Excess Liability insurance provides an extra layer of protection for losses exceeding the financial limits of the primary policy and provides coverage for the same perils as the underlying policy. Once the coverage provided by the underlying policy is exhausted, Excess Liability insurance will step in to cover the loss up to the limit of coverage provided on the Excess Liability policy.

Excess Liability Insurance can provide increased coverage for:

• Lawsuits and legal expenses related to the business
• Property damage and bodily injury cases
• Additional protection for Commercial Auto insurance policies
• Other excess liabilities that exceed the underlying policy

Product Recall

Because even the strictest of safety measures can sometimes be insufficient, Product Recall insurance is strongly recommended for any company whose product could result in bodily harm. Product recall insurance covers the expenses associated with recalling a product from the market due to safety issues or product defects that may endanger the consumer or put the maker or seller at risk of legal action. Product Recall insurance provides a layer of financial protection applicable to both voluntary and involuntary recalls.

Who should buy Product Recall insurance? Product recall insurance is typically purchased by manufacturers such as food, beverage, toy, and electronics companies to cover potential recall costs such as customer notification, shipping costs, and disposal costs.

Workers Compensation

Most states require businesses to carry workers’ compensation insurance. Workers’ compensation provides benefits to employees who suffer a work-related injury or become sick from a work-related cause and is required by most states.

Workers’ Compensation coverage can provide employees with peace of mind by offering the following benefits:

• Medical expenses
• Disability expense
• Lost wages
• Funeral expense

Surety Insurance

In a fast-changing environment with uncertainty around future economic conditions, a Surety bond may provide the perfect financial protection for a business owner.

A surety bond or surety is a promise by one party to assume responsibility for the debt obligation of a borrower if that borrower fails to meet some obligation, such as fulfilling the terms of a contract. The surety bond protects the obligee against losses resulting from the principal’s failure to meet the obligation.