A. We insure things that stay in one place:
the building you own and the
contents of your business whether you are in
retail, wholesale, manufacturing, business or
residential service, contracting, garage and
auto related service, or any other type of business
B. We insure things that move around or are
not inside the business: contractor's tools
and equipment, items awaiting installation or
being delivered, contents of vehicles, signs
and outdoor property, forklifts, tractors and
other such equipment, and other items in this
C. We schedule items that are identifiable by
serial and model numbers or appraisals, are
unique and difficult to replace, or are more
expensive than a normal item of it’s kind.
D. We insure property of others for which you
have care, custody, and control.
A. General liability: Bodily injury, property
damage, libel or slander for which you are deemed
to be legally liable.
B. Umbrella liability: Higher limits of other
liability coverages to give you additional
C. Employee Practices liability - protecting
you against accusations of sexual harassment,
improper hiring and firing, discrimination,
and improper promotion or demotion.
D. Professional liability: protecting you against
accusations of errors or omissions in performing
E. Directors and Officers liability: protection
for your officers and directors who are accused
of making decisions which adversely affect others.
F.Organizational liability: especially for non
profit organizations which extends directors
and officers coverage to employees and volunteers.
G. Special Events liability: Coverage for fund
raising and other special events outside the
normal scope of your activities. This could
include concerts, raffles, golf tournaments,
races, celebrations, and any other function
you can imagine.
Reimbursement for all medical expenses incurred
the job injuries or illnesses, disability payments
for time missed due to those injuries or illnesses,
and liability coverage if an employer is deemed
to have knowingly caused the problem. If you
do not have workers comp insurance and your
employee(W-2 or 1099) is injured on the job,
you may be personally responsible for his or
her medical bills.
Commercial vehicle coverage:
For any kind of vehicle used in a business venture
including sales, service, towing, delivery,
transporting passenders, recreational and many
Retail stores, wholesale suppliers, sales organizations, manufacturers reps, manufacturing firms, service businesses like printers, sign companies, web designers, appliance repair, property owners and managers, artisan contractors like plumbers, carpenters, landscapers, tile and stone masons, heating and air, fabricators, vehicle service and sales, beauty salons, day care facilities, professionals like lawyers, dentists, physicians, accountants, non profit organizations, trucking and delivery companies, self employed entrepreneurs, home based businesses, churches, restaurants, and many others.