General Liability

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This coverage protects your business from claims arising from alleged bodily injury, personal injury or property damage liability. It includes protection for services you render or products you sell. Coverage payments can include judgments, attorney fees, court costs, or other related expenses

Property Insurance

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Coverage of real or personal property exposures of businesses, governmental agencies, and private nonprofit organizations, as opposed to residential or personal types of property.

• Loss of Rent Insurance
  Insurance which reimburses a building owner against loss of rental income if the building is not usable by a tenant because of some cause of loss insured against. No longer a separate coverage form by itself; now incorporated into the inclusive business income coverage form.

• Peak Season Protection
  This coverage will provide higher amounts of insurance for specific periods of time during the year as indicated by the dates on the endorsement. Using this endorsement allows you to enjoy many of the advantages of a reporting form without the problems associated with reporting requirements.

• Leased Property Coverage
  This endorsement is used to extend the Property policy to include coverage for specified leased property items. An Agreed value option allows you to establish the amount that will be paid, in the event of loss, for each item listed on the endorsement.

Commercial Auto Insurance

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An insurance contract that covers vehicles owned and used by a business, government, or nonprofit organization in its operations. This policy can provide a combination of liability protection (bodily injury & property damage to other people and their property) and physical damage coverage for loss due to damage to vehicles owned, maintained, or used by you. Additional coverage such as medical, payments and uninsured motorist protection can be purchased to “customize” the policy to fit your business.

Garage Liability

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Provides coverages for liability arising from garage operations, medical payments, automobile physical damage, and uninsured or underinsured motorists in a single contract for automobile dealers, service stations, auto repair shops and parking lots.

Worker’s Compensation

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State law requires that every employer provide Workers Compensation insurance for their employees. This insurance provides coverage for accidents or disease arising from employment as prescribed by these state laws. Benefits can include lost wages, medical expenses, and permanent disfigurement/disability payments.

Scheduled Equipment Coverage

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This coverage is used to insure scheduled items for the amount listed in the policy.  Additional equipment you wish covered must be reported to the company for coverage to go into effect.

Machinery Breakdown Insurance

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Protection against loss from disruption of boilers and machinery by an insured cause of loss, consisting of loss to the boiler and machinery itself, damage to other property, business interruption losses, or all three. Also known as breakdown insurance.

Employment Practice Liability

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Protection against loss from disruption of boilers and machinery by an insured cause of loss, consisting of loss to the boiler and machinery itself, damage to other property, business interruption losses, or all three. Also known as breakdown insurance.

Errors & Omissions

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Coverage for damages arising out of the insured's negligence, mistakes, or failure to take appropriate action in the performance of business or professional duties. It often has a deductible in excess of $1,000 and usually does not require the insured's consent to settle claims (unlike professional liability insurance, which is a term sometimes used instead of errors and omissions insurance).

Directors & Officers Liability

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A specialized form of professional liability coverage for legal expenses and liability to shareholders, bondholders, creditors or others due to actions or omissions by a director or officer of a corporation or nonprofit organization. Directors and officers are not liable for an honest mistake of business judgment made with reasonable prudence or care that results in a financial loss; but officers and directors are held personally liable for actions or omissions made with negligence, recklessness, or bad faith.

Computer

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Special Electronic Equipment policies insure property and causes of loss excluded under conventional all-risks Property and Boiler and Machinery forms. A variety of endorsements can "customize" this policy to fit your specific needs.

Builders Risk Coverage

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This insurance is used to provide coverage for your interest as well as the interests of others in specified structures while under construction.

Umbrella Coverage

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This coverage provides a higher limit of coverage that above and beyond the limits of individual insurance policies. It is used in one of three ways:

1. to provide additional limits of protection over the coverage listed in your underlying schedule,
2. to act as primary coverage if your underlying limits are exhausted, and
3. to provide coverage for some risks, subject to a retention, when your primary coverage does not.