Commercial Insurance

Commercial-Package

Commercial Package/Businessowners Coverage

Commercial Package Policies and Business Owners policies are Insurance policies that combine protection from all major property and liability risks in one package.

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Workers-Compensation

Workers Compensation

Required in most states to pay benefits to workers injured on the job. It protects the employees from incurring medical debt or loss of wages due to an on the job injury.

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Commercial-Auto

Commercial Auto

Commercial Auto insurance protects the business use of cars, vans, trucks, and trailers. The policy covers personal injury, damage to vehicles and property and protection from liability.

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Commercial-Umbrella

Commercial Umbrella

This is an insurance policy that is in excess of specified other policies. When the policy limits of the underlying policy have been met that is when the umbrella policy takes over.

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Commercial-Bonds

Bonds

Insurance whereby an insurance company guarantees scheduled payments of interest and principal on a bond or other security in the event of a payment default by the issuer.

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Directors-Officers-Coverage

Directors and Officers Coverage

Commercial insurance helps protect your firm’s assets and the assets of its directors and officers.

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Employment-Practices-Liability-2

Employment Practices Liability

Coverage is designed to protect your firm, subsidiaries, directors and officers, natural person partners and trustees from the defense costs and damages for employment-related claims.

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Inland-Marine-Equipment

Commercial Inland Marine/Equipment Floaters

‘Inland’ Marine insurance is the counterpart to ‘Ocean’ Marine insurance, goods traveling over land as opposed to water. It is strictly ‘property’ insurance, with normally broader causes of loss.

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International-Coverage

International Coverage

Businesses and the economy have become much more global and it is important for firms working overseas that they have protection internationally.

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Surplus-Lines

Surplus Lines

Surplus lines are non-admitted insurers that will accept risks that licensed insurers will not. They are not required by the States to get approval for the policy forms or their premiums.

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Crime-Fiduciary-Coverage

Crime/Fiduciary Coverage

Crime insurance is also known as “fidelity” insurance is commonly overlooked, leaving companies vulnerable to potential losses.

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cyber liability coverage

Cyber Liability Coverage

EVERY company is at RISK!  Hackers gain access to your system through compromised wifi networks or lost/stolen laptops and cell phones.  Once they have access they hold your data hostage until a ransom is paid.

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