Coverages

Buildings you own or lease as part of your business, your business personal property, and the personal property of others make up the basic coverage sections of commercial property insurance.

There are three primary sections that make up CGL policy: premises liability, products liability and completed operations. Premises liability covers liability for accidental injury or property damage that results from either a condition on your premises or your operations in progress, whether on or away from your premises.

A products liability hazard exists for any business that manufactures, sells, handles, or distributes goods or products. The hazard being the potential liability for bodily injury or property damages that arises out of your goods or products.

Completed operations covers your potential liability for bodily injury or property damage that arises out of your completed work.

When an employee suffers a work related injury or illness, workers compensation insurance steps in to provide benefits based on the type of illness or injury sustained.

Commercial automobile coverage can protect your company from any liability stemming from automobiles used in your business or any damage to the covered automobile.

A Business Auto Policy (BAP) has the flexibility to provide coverage for business, personal, non-owned, or hired autos based on the coverage purchased and applied to each scheduled auto.

Covers the amount of loss above the limits of a basic liability policy. Commercial automobile, CGL, workers compensation, or any liability policy can be covered by a commercial umbrella.

Boiler and machinery insurance covers business property, other property losses, and legal fees (if any) that may result from the malfunction of boilers and machinery.

A specialized type of property insurance that primarily covers damage to or destruction of your business property while in transport. Inland marine also covers the liability exposure for the damage or destruction that may occur to property in your care, custody, or control during transport.

Type of Errors and Omissions policy written for directors and officers of corporations who may be sued as individuals by stockholders.

Added to a policy for one year minimum term to cover a new building or structure under construction or an existing structure undergoing additions, alterations, or repairs.

Liability arising out of rendering or failing to render services of a professional nature.

Protects your personal residences, your personal property (contents), additional living expense in the event of a covered loss and your personal liability.

Most Homeowner’s policies provide a specific limit for items such as jewelry, furs, silverware, cameras, computers, sports equipment and guns. A scheduled property policy can cover your special items to their full value; often with a much lower deductible than your Homeowner’s policy.

Liability coverage above your Homeowner’s, Auto, Boat and Motorcycle policies in case a judgment against you exceeds the limit those policies provide. Coverage for claims like libel, slander and defamation. Helps cover defense costs, attorney fees and other charges associated with personal lawsuits.

Provides Bodily Injury liability and Property Damage liability with the option to cover uninsured motorists, medical payments and damage to your personal vehicle. Your personal auto policy can also provide towing coverage, rental reimbursement and loan gap coverage.

– Boats
– ATVs and Motorcycles
– Motorhomes
– Renter’s
– Vacant Dwellings
– Weddings
– Flood

This coverage provides financial support to the family of an employee who dies while part of a company or organization.

This pays a benefit when the insured is in a covered accident that causes death or specific injuries such as loss of a limb or paralysis.

Provides an employee with a defined pre-disability income when disabled in a covered event.

Offers medical coverage to members of an organization or employees of a company. This often includes additional health plans like dental, vision, and pharmaceuticals.

Life Insurance
Long Term Care
Disability
Dental

Most policies provide benefits based upon specified health care costs and expenses incurred with treatment.

Designed to cover long-term services and supports, including personal and custodial care in a variety of settings, such as your home or other facility.