Business Insurance

Every business has unique needs. That's why we offer a wide variety of different business policies tailored to properly cover your specific needs as a business owner. We help both growing and established businesses find the right approach to managing risks.

• Property Insurance

  Property Insurance covers your business against the risk of not only fire and lightning but also storm damage, vandalism and theft. Property insurance may cover two types of property losses including:

  • Direct losses may be covered when property is lost, stolen, damaged or destroyed.
  • Indirect or consequential losses related to direct losses may also be covered.

• Business Income

  Business Income coverage provides for your income lost in the event of a covered cause of loss. This coverage can also include the extra expense incurred to get your business back up and running.

• General Liability

  General Liability Insurance provides you with the coverage you need in the event you become financially responsible for bodily injury and/or property damage to others. Policies provide coverage for liability arising out of the ownership, use or rental of premises and your operations. Depending on your business, we can also provide product liability coverage against product malfunctions that result in bodily injury, property damage or personal injury.

• Business Auto Policy

  Business Auto Insurance covers your business owned, leased, hired or borrowed vehicles for both liability and physical damage. Business auto coverage maybe used to insure private passenger autos and all types of trucks, trailers, semi-trailers and commercial vehicles designed for use on public roads.

• Workers’ Compensation Insurance

  Workers’ Compensation Insurance provides your employees with coverage for medical bills and lost wages in the event of accidental bodily injury and occupational diseases unique to the occupation. Workers’ Compensation provides for the payment of four types of benefits:

  • Medical Benefits
  • Income Benefits
  • Death Benefits
  • Rehabilitation Benefits

• Umbrella Liability

  Umbrella Liability provides excess coverage over the "underlying" liability insurance you carry. It provides coverage for all other liability exposures, excepting a few specifically excluded exposures. It provides automatic replacement coverage for underlying policies that have been reduced or exhausted by loss.

• Bonds

  A contractor’s business often depends on the ability to qualify for bonds. We offer a number of contract bond types including: bid bonds, performance and payment bonds, maintenance bonds, supply bonds and service contracts. We also, offer a wide variety of other Surety type bonds and Fidelity bonds.

• Employment Practices Liability Insurance

  Employment Practices Liability provides protection for the company, employees, officers and directors against potential employment practices violations including sexual harassment, discrimination and wrongful termination.

• Professional Liability

  Professional Liability products can indemnify companies against not just the legal liability, but also the wider liability as a result of a breach of duty owed in a professional capacity in connection with the firm's business.

  • Directors’ and Officers – Non-Profit and Profit
  • Errors and Omissions – Miscellaneous and Industry specific
  • Medical Malpractice – Hospitals, Physicians, Groups, Nurses
  • Fiduciary Liability