Lines of Business Insurance

Commercial Property

Commercial Property Insurance compensates a business if the property used in the business is lost or damaged as the result of various types of common perils such as fire or theft. Property insurance covers not just a building or structure but also what insurers refer to as personal property, meaning office furnishings, inventory, raw materials, machinery, computers and other items vital to a business’s operations.

Commercial Package Insurance includes property, general liability, crime business interruption and can have endorsements that customize the form for particular class of business i.e. restaurants, flower shop, etc.

Inland Marine
Commercial Inland Marine is a group of property insurance coverages designed to insure exposures that are not conveniently or reasonably confined to a fixed location or insured at a standard rate under a standard form. This includes coverage for property in transit over land, certain moveable property, property under construction, instrumentalities of transportation and communication (such as bridges, roads, piers, television and radio towers), legal liability coverage for bailees, and computerized equipment. Many inland marine coverage forms provide coverage without regard to the location of the covered property; these are sometimes called "floater" policies.

Commercial General Liability
General Liability Insurance is designed to protect business owners and operators from a wide variety of liability exposures. Exposures could include liability arising from accidents resulting from the insured's premises or operations, products sold by the insured, operations completed by the insured, and contractual liability.

Workers Compensation
Workers compensation insurance covers the cost of medical care and rehabilitation for workers injured on the job. It also compensates them for lost wages and provides death benefits for their dependents if they are killed in work-related accidents, including terrorist attacks. The workers compensation system is the "exclusive remedy" for on-the-job injuries suffered by employees. As part of the social contract embedded in each state's law, the employee gives up the right to sue the employer for injuries caused by the employer's negligence and in return receives workers compensation benefits regardless of who or what caused the accident, as long as it happened in the workplace as a result of and in the course of workplace activities.

Commercial Truck/Vehicle Fleets

Most states require business owners to purchase liability insurance for bodily injury and property damage that may result from a vehicle accident occurring while you or someone from your organization is driving on business. Many states also require the insured to have uninsured/underinsured motorists' coverage and/or medical payments coverage (known as Personal Injury Protection (PIP) in some states). Physical damage coverage is also available for vehicles a business owns, leases or hires.
The Business Auto Coverage Form (BACF) is the most commonly used contract for providing business auto liability insurance. Although the form refers only to "autos," autos are defined to include cars, trucks, trailers, vans or other vehicles designed for use on public roads.
Each vehicle you use in your business can be separately "scheduled," or listed on your policy along with corresponding coverages. In other words, you can choose different coverages, for your various vehicles, depending on the vehicle's characteristics and the coverage you need for it.

Umbrella / Excess Liability
Commercial Umbrella Liability Insurance is an important part of a commercial insurance program. The Umbrella Policy provides limits that are over the insured's primary liability coverage such as their general liability, automobile liability, and employer's liability policies.
Umbrellas also may provide protection to insureds from exclusions and gaps that exist in their primary liability insurance. A typical commercial umbrella liability policy may offer features such as worldwide coverage, personal injury coverage, blanket contractual liability protection (for both written and oral agreements), care, custody, and control coverage, non-owned aircraft liability, watercraft liability, advertisers liability, liquor law liability, XCU liability and an extension of protection to additional insured.

Cyber Security (First & Third Party Coverage)
Cyber Security Insurance Policies can provide both First and Third Party Coverage for numerous classes of business.

Our carriers' policies cover a wide range of cyber liability exposures, and coverage is available nationwide on either an admitted or non-admitted basis.

Employment Practice Liability (EPLI)
Employment Practices Libility Insurance covers (up to the policy limits) damages for which an employer is legally liable such as violating an employee's civil or other legal rights. In addition to paying a judgment for which the insured is liable, it also provides legal defense costs, which can be substantial even when there has been no wrongdoing. EPLI covers businesses against claims by workers that their legal rights as employees of the company have been violated. The number of lawsuits filed by employees against their employers has been rising. While most suits are filed against large corporations, no company is immune to such lawsuits. Recognizing that smaller companies now need this kind of protection, some insurers provide this coverage as an endorsement to their Business Owners Policy (BOP). An endorsement changes the terms and conditions of the policy. Other companies offer EPLI as a stand-alone coverage.

Directors & Officers Liability

Workers compensation insurance covers the cost of medical care and rehabilitation for workers injured on the job. It also compensates them for lost wages and provides death benefits for their dependents if they are killed in work-related accidents, including terrorist attacks. The workers compensation system is the "exclusive remedy" for on-the-job injuries suffered by employees. As part of the social contract embedded in each state's law, the employee gives up the right to sue the employer for injuries caused by the employer's negligence and in return receives workers compensation benefits regardless of who or what caused the accident, as long as it happened in the workplace as a result of and in the course of workplace activities.

Errors & Omissions

Some businesses involve services such as giving advice, making recommendations, designing things, providing physical care or representing the needs of others, which can lead to being sued by customers, clients or patients claiming that the business's failure to perform a job properly has injured them. Errors and omissions or professional liability insurance covers these situations. The policy will pay any judgment for which the insured is legally liable, up to the policy limit. It also provides legal defense costs, even when there has been no wrongdoing.

Home Business Insurance

Our Home Business Insurance is designed for small, businesses operated out of a home with exposures that are either limited or excluded by the ISO Homeowners Product. Specifically, our product offers liability coverage that is not currently available under the ISO Homeowners policy, as well as business personal property protection above the ISO form's $2,500 property limitation.
Comprehensive & Excess Personal Liability

Does your Homeowner or Dwelling Fire carrier include Personal Liability?...at limits that satisfy an Umbrella's minimum attachment point?

These products target applicants for stand alone liability coverage, as well as applicants that require higher limits of liability than their primary carrier will provide or to create a "buffer" layer to enable applicants to meet the minimum attachment point of our personal umbrella product.

Employment Practices Liability
Offering EPLI to ALL of your commercial customers actually protects yourself from a potential E&O claim. We know that all employers have this exposure and we have a coverage solution for them.

Storefront Community Church
Great coverage and superior service. This product is hot! Our All-in-One product offers the following coverage options:
General Liability:

• New Ventures acceptable
• Pastoral Professional (up to 5 pastors)
• Abuse and Molestation Sublimit
• Personal and Advertising injury coverage
• Hired and Non-Owned Auto
• Directors and Officer Liability with optional Employee Practices Liability
• Property Coverage
• No assault & battery exclusion
• Premiums starting at $500
• Broad exposure eligibility including coverage for: Daycares / Parsonages / Pre-schools / Soup Kitchens / Food Banks / Thrift Stores / Lessor's risk...and more
• No prior required

Special Event Coverage

We have the ability to provide fast quote turnaround for your Special Events. Eligible classes can be covered for General Liability, Liquor Liability, or both!
PRODUCT FEATURES:

• General Liability Coverage and/or Commercial Liquor Liability coverage available for events with up to 10,000 attendees per day on most risks
• The Host™ - Host Liquor Liability available for one-day events
  with 500 or less attendees in many states:
• Separate limits for General Liability and Host Liquor Liability
• Automatic coverage for volunteers, temporary or leased workers, and committee members
• Food and beverage Product Liability included in the General Aggregate
• Medical Payments coverage
• Coverage for damage to rented premises
• Property owner can be included as Additional Insured at no charge

GREAT COVERAGE FOR:

• Beer Gardens/Beer Tents, Concerts/Musical Performances, Festivals, Parties, Sporting Events, Motor Vehicle Events, Car Shows, Conventions/Trade Shows/Exhibits, Fund Raisers, Parades, Picnics, Weddings/Receptions and many other miscellaneous events

Professional LIablity:

• Employment Practices
  
• Non-profit Directors & Officers
  
• Community Association Directors & Officers
  
• Specified Professional Liability – many classes
  
• Technology Professional