Coverage Offered

Directors and Officers (D&O) Liability protects the assets of the business as well as the personal assets of the Directors and Officers of the company.

Protect your business and your employees from claims arising from wrongful termination, sexual harassment and discrimination that may not be covered with a General Liability policy.

Coverage for job-related injury or illness to employees is mandatory in nearly all states. This coverage is designed to compensate employees fairly while reducing or eliminating lawsuits.

Be sure your business is covered for liability resulting from the operation of business vehicles, whether they are owned, rented, leased or borrowed.

Combine your business property and liability protection into a packaged insurance policy. This approach can save you money and help eliminate gaps in coverage.

Inland Marine Insurance provides coverage for goods in domestic transit, goods of bailees' customers, moveable equipment, and unusual property.

There are several Inland Marine Coverage Forms that fit into the structure of this application. Some examples are Contractors Equipment, Builders Risk / Installation, Electronic Data Processing Equipment, Bailee, Sing Coverage, Equipments Dealers Coverage, Commercial Articles Coverage, Mail Coverage and Jewelers Block Coverage.

Business Income insurance pays the actual loss of business income sustained by the insured because of a necessary suspension of the insured's operation during the period of restoration following a loss.

Boiler & Machinery insurance covers direct damage to covered property when caused by a covered cause of loss. Boiler and machinery insurance is necessary because commercial property policies exclude explosion of steam boilers and breakdown of machinery.

A variety of specific types of losses can be protected against under Commercial Crime Coverage.

The Commercial General Liability Policy provides the insurance protection needed to pay damages for bodily injury or property damages for which the insured is legally responsible. The policy provides coverage for liability arising from personal injury and advertising injury. Coverage for medical expense is also provided.

Umbrella liability insurance provides excess liability coverage over several of the insured's primary liability policies. Most umbrella liability policies provide coverage that is broader than the insured's primary policies.

Businesses engaged in selling, servicing, storing, or parking autos have special insurance needs. The garage coverage form was designed to cover the risk associated with these types of business operations. The garage policy combines coverage for auto liability, commercial general liability, and physical damage coverages in one policy.

The sponsorship of any type of retirement or employee savings program generates fiduciary responsibilities for any and all persons involved with the creation, maintenance and administration of such programs.

Kidnap and ransom protection not only responds to the obvious situation where an employee is kidnapped, but also protects the family members and guests of “insured persons” and affords coverage for situations involving actual or threatened extortion.

Entities domiciled in the United States but which are operating within the worldwide marketplace have additional risk. Their domestic insurance coverages typically provide protection only as it relates to legal action pursued within the United States, Canada and US possessions and territories. Those firms exporting product outside of these areas, or that have employees traveling outside these areas on business, likely should maintain foreign coverage.

Many people count on their employers to provide medical benefits. See how affordable it can be to include this coverage as a part of your compensation package.

Be competitive when it comes to benefits. A 401(k) plan helps you keep talented employees and helps them plan for retirement. It’s easy to set up a plan and it pays.

Prepaid legal plans can be a beneficial offering for you with legal services provided such as contract review, legal document review, consultation, correspondence and debt collection.