General Liability is a must have for any business. It is a form of insurance sold to businesses to indemnify the business for third party liability claims due to negligence. Coverages can include premises and operations liability for onsite and jobsite accidents and products liability claims for products that injure third parties.

Also referred to as a BOP policy. It provides broad property and liability protection in a single contract and is designed for small and medium-sized mercantile, service, office or apartment risks.

A policy that provides benefits to employees for any injury or contracted disease arising out of and in the course of employment. All states have laws which require such protection for workers and prescribe the length and amount of such benefits provided. Rates are fixed by the department of insurance so the insurance companies try to differentiate themselves with dividend plans and exceptional service. Dividend plans are a return of premium based on claims experience. If you have a workers compensation policy without a dividend plan you may be leaving money on the table. Call us for a quote.

Provides coverage for your commercially owned vehicles. The policy provides standard coverage’s like liability, uninsured motorist and physical damage coverage. Fleet vehicle coverage is also available. Permanently attached equipment is generally covered by the business auto policy but loose equipment and tools need to be insured through a separate commerical inland marine policy.

Comonlly know as umbrella liability, this very valuable and affordable policy is a must have in our increasingly litigous society. The umbrella policy provides an additional layer of liability coverage over and above the policies beneath it.

Provides coverage against allegations of improper actions or failure to exercise proper skill by a professional or others involved with the care of the human body, such as a physician, dentist, blood bank, etc.

Separate policies are used to provide necessary coverage’s including General Liability, Property Coverage, Boiler & Machinery, Directors & Officers, Crime, Excess Liability, Flood, Workers Compensation and Inland Marine.

A policy that provides coverage against damage done by the rising or overflowing of bodies of water. Many people think their property insurance policy covers rising water but it doesn’t. Only a separate flood policy provides this coverage. http://www.floodsmart.gov/floodsmart/pages/flooding_flood_risks/the_cost_of_flooding.jsp