We’ve Got You Covered

We take pride in our expertise and know trust can’t be assumed. It has to be earned. And as we earn it, you’ll begin to understand that what we value most are relationships.

Property and General Liability

Property insurance protects your business’ physical location and property including: commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies, etc.

General Liability insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties. These may include premises and operation, personal and advertising injury, medical payments or products/completed operations.

Workers’ Compensation

We take workers’ comp seriously, knowing it’s the most controllable form of insurance you have. Our Certified WorkComp Advisors work with you to establish a process that reduces costs and improves productivity.

  • Experience Mod projections and analysis
  • Cost of claims analysis
  • Claims consulting and reviews
  • Return to work programs
  • Assistance with audit disputes
Surety and Performance Bonds

We help contractors understand and prepare for the complexities of the bonding arena. We work with you to gain your surety credit to take your company to the next level.

  • Contract payment and performance bonds
  • Bid Bonds
  • Miscellaneous Commercial Surety products
  • Financial statement analysis
Cyber Liability

Every business faces cyber security risks but not every business has the same cyber exposure. We are here to show you exactly where your exposure lies and give you the cyber liability coverage you actually need.

  • 3rd party liability for loss of PII, PHI, or PCI
  • Network encryption and ransomware exposures
  • Funds Transfer and Wire Transfer Fraud
  • Network and Systems Damage Coverage
  • Defense and settlement or judgement
  • Notification costs
  • Damages to a third-party system
  • Forensic costs to investigate a breach
Management Liability

While every business is unique, there are universal exposures that all businesses face. Management liability is a hybrid policy that combines several overages essential to standard business operations that are normally sold individually.

Policies commonly include:

  • Directors and Officers
  • Employment Practices
  • Fiduciary Liability
  • Professional Liability
  • Fidelity and Crime

Business auto coverage insures vehicles that are owned, leased, hired, or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships.

A Sample Of Our Commercial Coverages
The companies we represent may offer the opportunity to package a number of these coverages within a single policy.

Commercial Auto

This coverage is available to protect your business from the liability associated with operating automobiles. Coverage is available for owned, non-owned, and hired vehicles including autos, trucks, vans, tractors and trailers. Physical damage coverage is also available.

Commercial Liability

Provides coverage including defense for liabilities associated with operating a commercial business enterprise. Policies are tailored to meet the specific risk management needs of your business.

Commercial Property

Provides coverage for your buildings and contents. Coverages range from specific named-perils policies to broader all-risk type policies.

Directors & Officers

Designed to protect the directors and officers of your organization from damages and defense costs due to civil claims, claims of negligence, and of errors and/or omissions.

Employment Practices

Liability Provides coverage for defense costs and liability arising from allegations of improper employment practices, sexual harassment, and discrimination.

Home Based Business

Homeowners insurance does not necessarily cover many home business-related claims. This could mean a major loss of income, as well as other significant losses, for your home business. If you have a home based business consider contacting us to discuss proper coverage options that offer both protection and affordability.

Inland Marine

If your business frequently ships products or equipment, you may want to consider purchasing inland marine insurance. This type of coverage is especially important if you ship high-value products or materials, which are often excluded from basic property coverage. Inland marine insurance can cover a wide range of specialty equipment and products.

Ordinance or Law Coverage

One of the most needed types of coverage is also one of the most commonly overlooked, or even known about, by consumers. It’s called Ordinance or Law Coverage. As your building becomes older certain changes in your county’s building codes and ordinance change to reflect new standards for construction. If your older property suffers a substantial loss, fixing it may require a higher construction standard to reflect new laws, therefore simply replacing your property as it was just isn’t good enough to meet these new construction standards and codes. Ordinance or law coverage pays for these upgrades in building standards.

Cyber Liability

Preventative data protection systems are essential to minimize the potential for a security breach. Even with preventative actions in place, businesses should still be prepared in case of a security breach. Prepare your business with a cyber security policy and have confidence in your plan when issues arise. Cyber liability insurance protects your business against damages to your client and to your company. Expenses for lawsuits, reputation maintenance, data repair, and financial damages add up quickly. Limit your chances of a security breach and limit your damages with proper cyber liability insurance.

Special Event Coverage

Businesses sometimes sponsor events like conferences, receptions, exhibitions, or festivals. Such events can generate claims against the event sponsors. To protect themselves, businesses can purchase a type of liability coverage called special event insurance to protect against claims by third-parties for bodily injury or property damage. Special event insurance is inexpensive and must be purchased before an event takes place.

Umbrella and Excess Liability

This coverage complements your property/liability program and provides additional limits of coverage. In today’s litigious society, smart business people protect their investment with umbrella coverage.

Workers’ Compensation

This coverage is designed to meet the workers’ compensation laws of your state. Workers’ compensation coverage provides protection for injured workers and supporting protection through employer’s liability coverage.