Commercial Automobile & Fleets
Whether you rely on a single car or a large fleet of vehicles, commercial auto insurance is
something that most businesses need. That’s because an accident can happen to even the most
careful driver—and these accidents can cost thousands or even millions of dollars for your
business. Commercial vehicle insurance for both owned and leased cars and trucks protects your
business in many important ways. Liability coverage provides protection against liability for
bodily injury and property damage to others caused use of your company-owned autos. Physical
damage coverage protects your owned or leased autos against accidental loss including collision
and comprehensive coverages. Learn more here.
Business Owners Policy
Combining property and liability insurance, a business owners policy (BOP) can help protect your
business in the event of such things as fire (property damage), suspended operations (business
income) or lawsuits (liability) resulting from bodily injury, property damage, personal injury
or advertising injury. Our carriers have a multitude of additional coverages that are offered on
business owners policies. Our agents will be able to help you figure out what your small
business needs, and doesn’t need to be adequately protected. Learn more here.
Contractor’s General Liability Insurance
Contractor’s General Liability insurance is for residential and commercial builders, general
contractors, construction managers, design and build firms, specialty contractors or
subcontractors, owners or public and private construction projects. Learn more here.
Technology Insurance
Many companies are unaware that their current business and insurance policies most likely do not
cover them for all of their technology-related risks. Our technology insurance protection offers
coverage options tailored to fit your company’s unique needs. In today’s technology-driven
world, companies face a number of dynamic exposures. Whether it is faulty software,
inappropriate advice, misconfigured firewalls or inadequate anti-virus software, hardware
failure – companies are increasingly at risk. Claims are growing rapidly, leaving companies
liable for expensive lawsuits. Learn more here.
Restaurant & Bar Insurance
Today’s restaurant environment is more complex than ever and you want to know you’re covered for
the unexpected occurrence with insurance specific to the unique needs of restaurants and bars.
Whether you run a small cafe or a national chain, you could be held liable for anything from
contaminated or spoiled food to spilled tea. That’s why you deserve an insurance company with
commercial restaurant insurance coverage specifically designed for the risks you face. Learn
more here.
Builders’ Risk Insurance
Builders Risk Insurance is a policy is designed to provide coverage for buildings while under
construction. It covers the contractor’s interest in materials at the job site before they are
installed, materials in transit intended for the job, and the value of the property being
constructed until it is completed and accepted by the owner. The policy may be written to cover
the whole structure for new construction or the cost of remodeling and renovation projects. It
can also be used to cover specific projects, such as a new room addition, a deck, or a remodeled
bathroom. Learn more here.
Professional Liability (Errors & Omissions) Insurance
Professional liability insurance, also sometimes referred to as Errors and Omissions insurance or
E&O, protects businesses or individuals in the event that a customer holds your company or
business owner responsible for a service that was provided, or failed to be provided, and did
not have the expected or intended results. Learn more here.
Employment Practices Liability
Employment Practices Liability Insurance otherwise known as EPLI is insurance that helps protect
you against claims from your employees or a third party that result from the general conduct of
your business. Learn more here.
Directors and Officers Liability Insurance
Directors and Officers Liability Insurance provides financial protection for the directors and
officers of your company in the event they are sued in conjunction with the performance of their
duties as they relate to the company. Learn more here.
Cyber Liability Insurance
Cyber Liability covers a business for both expenses it incurs due to a cyber loss/breach as well
as third party liability for damages to its employees and clients. Whether someone is stealing
your customers’ credit card numbers or your employees’ tax information, it can wreak havoc on
your business. If you’re a business owner (no matter what the size or type of your business),
consider adding data breach coverage. Learn more here.
Workers Compensation
Workers’ compensation insurance protects employers from claims resulting from injuries to
employees. It protects your business and provides employees with compensation for on-the-job
injuries. It helps cover medical care and lost wages for an employee who is hurt at work. By
law, most employers are required to provide coverage for lost wages and medical bills incurred
as a result of on-the-job accidents or illnesses. For many businesses, workers comp coverage is
the largest part of its insurance expense. Learn more here.
Business Umbrella
No matter how careful you or your employees are, mistakes and accidents can happen. Whether
someone is seriously hurt by one of your drivers, your products or on your business’s premises,
a major claim has the potential to threaten the existence of your business. That’s why many
business owners make the smart choice to protect themselves with extra business liability
insurance. Known as Business Umbrella Liability, this additional layer of coverage gives you
extra protection and peace of mind above and beyond your commercial general liability, business
auto liability and employers liability insurance.
Commercial Property
From buildings to equipment, your commercial property is important to your business. So is
protecting them from a wide variety of unplanned risks. Because one size does not fit all, our
carriers property insurance policies are designed to meet your unique needs - covering
buildings, personal property and time element exposures.
