We offer insurance packages that are
tailored for different types of businesses. Whether it is insurance
for your building, business property, equipment, inventory or company
vehicles, we offer products and services to protect your business.
* Contractors
* Professional Offices
* Manufacturers
* Wholesale
* Retail
* Restaurants
* Garage & Repair
* Delivery Services
* Day Care
* Workers’ Compensation
* Bonds
Property Insurance
Property Insurance covers the risk of property loss in a variety
of commercial situations, including commercial buildings, equipment,
furniture, fixtures, inventories, business records, supplies
and other physical items.
Property Insurance may cover two types of property losses:
* Direct losses may be covered when property is lost, stolen,
damaged or destroyed.
* Indirect or consequential losses related to direct losses may
also be covered.
Commercial General Liability Insurance
Casualty Insurance consists primarily of liability coverage which
protects an insured party against injury or damage claims made
by other parties.
Policies provide coverage for liability arising out of:
* Premises and Operation
* Fire Damage Liability (damage by fire to premises rented to insured)
* Personal and Advertising Injury
* Medical Payments
* Products/Completed Operations
* Directors/Officers
* Professional
You may want to consider a Business Owners Package which combines
your Liability, Property and other types of coverage into one comprehensive
policy and which can help you save time and money on your total
insurance program. And since we live in an age of million-dollar
lawsuits, you may also want to add extra liability protection in
the form of a Commercial Umbrella Policy. We can tell you more
about these plans and if they make sense for you.
Business Auto Insurance
Business Auto coverage insures vehicles that are owned, leased,
hired or borrowed by businesses, whether they are associations,
corporations, partnerships or sole proprietorships. Business
Auto coverage may be used to insure private passenger autos and
all types of trucks, trailers, semi-trailers and commercial vehicles
designed for use on public roads. We can give you more details
about specific coverage and deductibles while tailoring a Business
Auto plan that meets your specific needs.
Workers Compensation
Workers’ Compensation coverage applies to bodily injury and
diseases arising out of and in the course of employment. Any bodily
injury must be accidental, and the term includes death resulting
from the accident. Only occupational diseases, which are unique
to the occupation, are covered.
Workers’ Compensation provides for the payment of four types
of benefits:
* Medical benefits
* Income benefits
* Death benefits
* Rehabilitation benefits
We can provide you with complete details on Workers’ Compensation
Insurance and recommend cost-effective ways to control expenses
through safety engineering and claim services
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