Bonds
Bonds come in several different varieties to fit different needs and situations. In general, bonds are meant to guarantee that one individual or entity will perform according to the specifications of a contract, ordinance or other requirement. Common types are Surety Bonds, Contract Bonds, Judicial and Probate Bonds and License and Permit Bonds.
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Builders Risk Insurance
Builders Risk Insurance is often used with a different term that describes what the insurance does -course of construction insurance. Builders Risk Insurance covers a building and typically all materials during construction. Protection can be extended for the work of individual contractors, architects and engineers. Optional coverage can often be added for costs not directly related to construction such as marketing, loss of income and delayed completion.
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Business Auto Insurance
Maybe your business owns vehicles or maybe you rent or lease them. Maybe you or your employees use personal vehicles to conduct business. If so, you need Business Auto Insurance. A Business Auto Insurance Policy protects your business against injury to others and damage to property as a result of business use of vehicles.
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Church Package
A specialized policy for religious institutions including churches, schools, and senior facilities. Protection is bundled for liability, property, boiler and machinery, crime, directors and officers, pastoral professional, athletic participation, and sexual abuse and molestation. These coverages are integrated with any automobile or excess liability exposures.
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Commercial General Liability
Your business faces exposure to loss from legal liability from a number of sources. The CGL provides broad protection from risks arising from your premises and operations, independent contractors and product liability to only name a few.
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Commercial Package Policy
A Commercial Package is a type of business package policy that bundles coverage together for several things including liability, property, boiler and machinery, crime and other optional coverages. The options available create flexibility that allows a package to be customized for most kinds of business.
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Commercial Umbrella Insurance
Commercial Umbrella Insurance is sometimes used interchangeably with Excess Liability Insurance. The two are really different; an umbrella insurance policy will "reach down" to provide coverage in gaps between other business insurance policies while a true excess insurance policy is intended to provide extra limits of insurance on top of coverage provided by other business insurance policies that are in place.
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Contractors Bonds (Contractors Surety Bonds)
There are several types of Surety Bonds for contractors: Bid Bonds, Performance Bonds, Payment Bonds, License Bonds and Supply Bonds are only a few. In general, surety bonds assure a project owner that they can rely on contractor performance, ability to make payments to certain other parties (sub-contractors, e.g.) good faith bid submissions and so on. The issurer of sureties, usually an insurance company subsidiary, investigates the abilities of a contractor and, in the event of a valid claim, will make reimbursements for non-performance according to the terms of the surety.
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Contractors Liability
Contractors have liability insurance needs unique to the building trage. We understand those needs and can find insurance protection to fit the budget of your business.
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Directors and Officers Liability Insurance
D & O Insurance, as it is commonly called, is essential to attracting, retaining top business management talent. Lawsuits against a business and its management for negligent or wrongful acts can be brought by any number of constituents like shareholders, customers or regulatory bodies. D & O Insurance will fill in gaps in primary business liability insurance and will protect the personal assets of the directors and officers.
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Employment Practices Liability Insurance (EPLI)
This kind of insurance provides insurance against liability for, as the name implies, employment practices. Protection, which will vary from policy to policy, covers a broad range of claims or lawsuits that might be brought by current of former employees or employment candidates. Just a few examples include sexual harassment, wrongful termination or discipline, wrongful failure to promote or hire, emotional distress, discrimination and invasion of privacy. Recent growth in employment practice litigation makes review of employment practices and insurance protection a necessity for most businesses today.
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Garagekeepers Liability
This is a comprehensive insurance product designed for businesses that sell, service, store or park road use vehicles. It includes liability insurance protection for damage to vehicles left in the care of the business. This protection extends to customer and non-customer vehicles. In addition, this type of insurance policy provides comprehensive liability for non-vehicle damages and injuries occurring on the business property.
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Landlord Package Insurance
Landlords face special risks that require special insurance protection. A few examples of losses or exposures that are covered in a Landlord Package Policy include: Loss of rent resulting from an insured loss; Buildings with one or several units, Varied residential or commercial occupancies; Legal liability resulting from the activities of tenants; and Uninsured or under-insured repairman. Even though Landlord Package insurance is primarily designed to protect you from loss to rental property it can, and should provide adequate insurance limits to protect your other assets from legal liability arising from rental activities.
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Professional Liability Insurance
Any professional in any field is expected to possess skills and knowledge resulting from specialized training and experience. When a client or customer believes you have not conducted yourself according the standards of your profession or that you have been negligent in some way you can be sued. Standard business liability policies do not cover these situations. To supplement general liability protection you may need a specialty coverage known as Professional Liability Insurance or sometimes Error and Omissions Insurance.
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Public Entity Programs
Cities, towns, counties, state and federal government entities face substantial risks that are unique. Fire and police departments, public recreation areas and equipment and road maintenance pose vastly different and challenging risk and insurance issues. We have solutions to these issues.
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Trucking Insurance
A trucking operation may need insurance for Physical Damage to trucks and trailers, Primary Auto Liability – even on leased rigs, General Liability for property damage or personal injury when a truck is not involved, Non-Trucking Liability for drivers and trucks not under dispatch and Non-Owned Trailer Liability. We can take care of it all.
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Workers' Compensation Insurance
This type of insurance pays for medical and rehabilitation expenses for workers injured on the job. Lost wages are also covered. Each state governs the compensation details, including the amounts paid. This is often a mandatory type of insurance.
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