Property: Covers direct and indirect losses to properties other
than 1-4 family dwellings
General Liability: Coverage for liability arising from premises,
general operations, and products manufactured or sold
Liquor Liability: Covers insured who are in the business of
manufacturing, distributing, selling, serving or furnishing alcoholic
beverages.
Professional Liability: Covers liability arising from
rendering of or failure to render professional services.
Package: Combines two or more lines of insurance on one policy.
Includes:
Restaurant Package
Warehouse Package
Business Auto: Required insurance for Commercial Autos.
Includes coverage for physical damage, liability, injury.
Truckers Coverage Form: Covers hazards unique to
those who are in the business of hauling goods for others.
Workers Compensation: State regulated coverage required for
businesses with four or more employees (1 or more in the construction
industry) . Compensates employees for occupationally related injuries.
Flood: Coverage written through the National Flood Insurance
Program for property located in a designated flood zone
Wind: Covers Property located in a designated wind zone
Bond/Crime Insurance: Covers employee theft, forgery
or alteration, computer fraud, and other theft
Directors & Officers: Covers losses due to the actions of
officials in an organization??
Garage Insurance: Coverage specifically those who are in
the business of selling, servicing, repairing, or parking vehicles.
Commercial Inland Marine: Covers mobile property
Boiler and Machinery: Covers losses arising from accidents
to defined objects
such as boilers, generators, engines and other machinery.
Umbrella /Excess: Coverage used when primary policy limits
have been exhausted
Bonds: Necessary when fulfillment of an obligation by one party to
another must be guaranteed by a third party. (i.e. performance bonds).
Payment Options:
Ask about our convenient financing option for premiums over $1000.00
(certain conditions apply)
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Homeowners: Insurance for owner-occupants of 1-4 family
dwellings, Covers: real property, personal belongings, other structures,
additional expense, personal liability, and medical expenses
Landlords Package: Insurance specifically for non-owner
occupied dwellings
Renters : Contents insurance for non-owners
Builders Risk: Covers buildings in the course of
construction
Flood: Coverage written through the National Flood Insurance
Program for property located in a designated flood zone
Wind: Covers Property located in a designated wind zone
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