Workers Compensation
State law requires that employers provide Worker’s Compensation insurance for their employees. This insurance provides coverage for accidents or disease arising from employment as prescribed by state laws. Benefits can include lost wages, medical expenses, and permanent disfigurement / disability payments.
Property
This coverage insures against direct loss to your building(s) and contents.
Professional Liability
This coverage is used to insure against claims arising out of negligent acts, errors or omissions in the rendering or failing to render professional services or advice.
General Liability
This coverage protects your business from claims arising from alleged bodily injury, personal injury or property damage liability. It includes protection from services you render or products you sell. Coverage payments can include judgments, attorney fees, court costs, or other related expenses.
Business Automobile
A combination of liability protection and physical damage coverage can be provided for losses due to damage to vehicles owned, maintained, or used by you. Additional coverage such as medical payments, work loss, and uninsured/underinsured motorist protection can be purchased to “customize” the policy to fit your business.
Bonds
Bonds are distinguished between Surety bonds, which guarantee the performance of a contract, or Fidelity bonds, which protect against the dishonesty of employees.
Inland Marine
A wide variety of forms and coverages has been developed to handle the needs of property that is mobile in nature, for example: Contractor’s Equipment, Builders Risk / Installation Coverage, Accounts Receivable, Bailees / Customers Goods.
Umbrella
This policy provides protection against catastrophic liability claims. This acts as an excess coverage over your primary General Liability, Auto Liability and Employers Liability policies. Its limits apply in addition to that provided by the underlying coverage.
Let us give you a free quote and answer any questions on your business insurance!
