Business and Commercial Services
Commercial Insurance
We handle all types of commercial insurance designed to protect your business assets such as your property and auto fleets, but we also insure your peace of mind by covering such things as business interruption and liability. Below is a list of just some of the coverage we can offer with definitions for some of the more complicated items.
Commercial Property
- Buildings
- Stock
- Equipment
- Business Interruption
- Crime
- Equipment breakdown
- Transit & Cargo
- Builder's Risk
- Contractor's Packages
Liability
- General Liability
- Umbrella Liability
- Tenant's Legal Liability
- Professional Liability
- Environmental
- Directors & Officers
- Errors & Omissions
- Event and Sports Liability
Commercial Auto
- Commercial Auto
- Fleets
- Light & Heavy Trucks
- Garage Policies
Bonding including Bid, performance and Fidelity Bonds
We also have the ability to handle hard to place insurance such as taxis, limousines, hot tar roofers and U.S. liability. Please call one of our commercial specialists if you have any questions.
Commercial Property & Contractors
In order to operate in today's workplace, contractors are required to provide proof of liability insurance. They also have assets such as contractor's equipment, tools, and building materials - anything that is on their premises or at a job site. Coverage for these assets needs to follow them wherever they go next. Contractors also need to provide proof of insurance on a regular basis. They need to provide bid bonds and performance bonds for certain contracts.
Business Interruption
Provides for loss of income while your business is closed due to a covered loss. Coverage is available in various forms from loss of earnings to loss of profits, extra expense to continue in business, and loss of rental income.
Equipment Breakdown
Provides coverage in the event of explosion, electrical injury, or mechanical breakdown, which are excluded under a commercial property policy. Equipment in potential danger could include boilers, electrical panels, air conditioning systems, telephone systems, compressors, and transformers. A business interruption loss could also result from damage of such equipment.
Commercial General Liability
Provides coverage for Bodily Injury or Property Damage to Third Parties due to liability arising out of your operations. In today's legal market, there is a trend toward larger settlements, especially with any exposure to the United States. This necessary coverage will protect you against legal liability and allow you to operate smoothly and effectively.
Professional Liability and Errors & Omissions
Courts today hold certain classes of individuals/firms as professional, which extends their potential legal liability. Professional liability is normally excluded under Commercial General Liability. A Professional Liability and Errors & Omissions policy provides coverage for negligent acts performed in your capacity as a professional.
Directors & Officers Liability
Being personally responsible for exercising good governance in company affairs creates significant risk to your personal assets. Provides coverage for the legal liability of directors and officers in both corporate and non-profit organizations.
Commercial Auto, Fleets, and Trucks
We can provide quotation for all types of commercial auto needs, whether for a single vehicle or a fleet of commercial vehicles. We have many competitive markets for commercial automobile and represent the major insurers of the trucking industry.
Special Events and Sports Liability
Provides coverage for one-day events, hole-in-one, weather insurance, prize indemnity, sport camps, liquor liability, and many other types of sporting or special events. We have many markets able to provide coverage for hard-to-place types of operations.
Bonding
Bonding is an important part of contractors' insurance requirements, and we represent many of the major surety markets. We have signing authority in our office and are able to provide you with prompt, knowledgeable service for your bonding necessities.
Employee Benefits
Quality employees are a major reason your business succeeds. Group health, dental, life, income replacement, and pension benefits can be a key component in attracting and retaining excellent staff. When an employee has a personal or family health problem or tragedy, group benefits can give you the peace of mind that financial help and support are in place.
