Coverages


  Business Automobile - this coverage protects your business from the liability associated with operating automobiles. Coverage is available for owned, non-owned, and hired vehicles including autos, trucks, vans, tractors and trailers. You may also elect Physical damage coverage to protect the damage to your business automobile.  

  Commercial Property - provides coverage for your buildings and contents.
 
  Commercial Liability - provides liability coverage, including defense for liabilities, associated with operating a commercial business. Policies are designed to meet the risk management needs of your business.    

   Workers' Compensation - this coverage is necessary to meet the workers' compensation laws of your state. Workers' compensation coverage provides protection for injured workers while on the job.    

   Umbrella and Excess Liability - this coverage provides additional coverage limits to supplement your property and liability program. In today's litigious society, business people protect their investment with this coverage.  

   Directors & Officers - designed to protect the directors and officers liability exposure if they are sued as individuals for claims such as claims of negligence, and of errors and / or omissions. This also provides for the costs of defense and other court costs.

  Employment Practices Liability - provides coverage for defense costs and liability arising from allegations of improper employment practices, sexual harassment, and discrimination. Covered acts might include:   discrimination, failure to employ or promote, deprivation of career opportunity, wrongful termination, workplace and sexual harassment, breach of employment contract, negligent evaluation and employment-related misrepresentation and defamation of wrongful infliction of emotional distress.

  Professional Liability – this coverage provides defense costs and awards for liability arising from improper professional practices and conduct of business activities.

  Special Event Coverage - provides third party liability coverage for a short term special event

  Home Based Business - Homeowners insurance may not necessarily provide coverage for many types of home business-related claims. This could subject you to a significant loss which would cause financial devastation.  If you have a home based business, consider contacting us to discuss proper coverage options that offer the protection you need at a fair price.