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Business Insurance

We will work for you to get you the right coverage at the right price, designed for businesses just like yours. We'll review your options and compare protection and prices to find the best value for your business.

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Property

Your home is your most prized possession—that’s why all homeowners should insure their property according to what it would cost to rebuild if the unthinkable happens. The replacement cost is different from the market and tax assessment value; an accurate assessment can make sure you have the appropriate coverage for your home.

General Liability

Mainly for business and commercial assets, general liability insurance will protect a company’s assets or pay for obligations that come with owning a company. Liability insurance also covers the cost of your legal defense and any settlement or award if you’re sued. Typically, this includes compensatory damages, nonmonetary losses suffered by the injured party and punitive damages.

Auto

Protect your car if it’s damaged or destroyed by an accident, fire, theft or any other unexpected instance. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life or property damaged caused by an accident involving your vehicle.

Package

This type of coverage combines two or more lines of insurance—such as property and liability—into one policy.

Assault & Battery

As the insured, your liability for Assault & Battery is excluded under all standard general liability policies for both commercial or homeowner policies. It’s important to protect yourself if your establishment serves alcoholic beverages on-site.

Boiler & Machinery

Knowing how to identify the proper equipment breakdown insurance can make all the difference in protecting your property and income, as a business owner. Boiler & Machinery coverage insurance covers direct damages to covered property when caused by a covered cause of loss.

Crime

Crime coverage can protect you from loss of money, securities or inventory resulting from crime. Common claims include employee dishonesty, embezzlement, forgery, robbery, safe burglary, computer fraud, wire transfer fraud, counterfeiting and other criminal acts.

D&O

Get financial protection for the directors and officers of your company in the event they are sued in conjunction with the performance of their duties as they relate to the company. You’ll need D&O coverage when you assemble a board of directors.

E&O

E&O coverage protects companies and individuals against claims made by clients for inadequate work or negligent actions. Coverage includes court costs and any settlements up to the amount specified on the insurance contract.

EPLI

A newer form of liability coverage, ELPI provides protection for an employer against claims made by employees, former employees or potential employees. It covers your entire firm from discrimination, wrongful termination of employment, sexual harassment and other employment-related allegations claims.

Inland Marine

Inland Marine coverage is intended for property that may be moving from location to location, property off premises at new locations, temporary locations or work locations. This includes property subject to “unique” causes of loss that traditional property policies will not cover.

Liquor Liability & Host Liquor Liability

If you own a business, this coverage will protect you against loss or damages claimed as a result of a patron becoming intoxicated and injuring themselves or others. If you manufacture, sell, serve or facilitate the uses or purchase of alcohol, your business may need this coverage.

Umbrella/Excess

Umbrella insurance is liability coverage beyond what’s existing with your auto, home, motorcycle, boat or other types of insurance. This coverage provides further protection and will come into play when liability coverage from any of your underlying insurance policies is maxed out.

Wind

Because many homeowners insurance policies don’t coverage property damage caused by high winds, this type of coverage is essential to residents in areas that frequently experience tornadoes and/or hurricanes. If you live in an area at risk to wind and hail, you’ll want to invest in a Wind policy.

Management Liability Products

Management Liability Products covers exposures faced by directors, officers, managers and business entities that arise from governance, finance, benefits and management activities. This coverage may be written as a stand-alone insurance policy or combined into a single, package policy.

Builders Risk

A special type of property insurance protecting against damages to buildings during construction or renovation, Builder’s Risk includes materials, fixtures and equipment being used on-site.

Owners/Contractors Protective Liability

A stand-alone policy, this covers the insured’s liability for both bodily injury and property damage caused by an independent contractor’s work for the insured. Typically, the contractor purchases this policy to provide coverage for the client or project owner.

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