• Commercial Lines

  • BOP/Businessowner Policy
    Businessowners Package Insurance is designed to protect your business for a multitude of areas including general liability, property, business income, and non-owned auto liability. This package product is designed for low risk businesses that do not have extensive exposures outside of their office, retail, or light manufacturing environment.

    General Liability
    Commercial General Liability insurance will provide defense and settlement protection to your business for claims brought about by customers and third parties. General Liability consists of bodily injury, property damage, personal injury, and advertising injury to a third party. Coverage can include liability for injuries caused by you or your employees, damage to property owned by others, and even liability for damage or injury caused by your product or service.

    Errors and Omissions / Professional Liability
    Errors and Omissions, also called Professional Liability, provides defense, settlement and damage costs for claims brought against your firm for financial loss to a third party based on the alleged failure of your products or services performed. Professional Liability can provide bodily injury and property damage for some professionals and exclude this area for others.

    Bonding
    Surety bonds are available for businesses that are required to obtain a bond by either a local or state jurisdiction to keep or maintain licensing.

    Commercial Automobile
    Commercial Automobile liability provides liability and physical damage protection to a business and its owned and utilized automobiles. Coverage can be tailored to include hired and non-owned autos used by employees. The physical damage protection for business automobile coverage allows for the repair of damage to your owned, rented, and hired vehicles.

    Medical Professional Liability
    We have markets for new physicians, solo and group practices, emergency centers, hospitals and hard to place risks.

    Investigation & Security Guards
    Policies can be written for Background and Private Investigators, Alarm installation, Firearms, Security system monitoring, Body Guards / Executive Protection, Security Guards with or without dogs, Skip tracing and much more.

    Fiduciary Liability
    Fiduciary Liability is designed to offer defense and damage protection for the responsible parties and administrators of welfare and health plans. Fiduciaries of these plans are held responsible for the viable and profitability of the programs and can be accused of misappropriation and lack of attention under these programs.

    Directors and Officers Liability
    Not-for-Profit / For Profit

    We have markets….

    Employment Practices Liability
    Employment practices liability insurance provides employers with protection for claims brought by employees for discrimination and hiring and firing practices. The discrimination can be in any form including, but not limited to, sexual, racial, religious and age.

    Life Insurance
    Top-rated companies with the most competitive life insurance programs. Low Cost term plans with premiums guaranteed for up to 30 years. Return of Premium Term gives you all of your premiums back. Build tax deferred savings with Universal Life and Whole Life. These products can also be designed for use with Key Man and Buy/Sell arrangements including business transition and executive bonus.