- Why do business with us? We ask that you give us the opportunity to earn your respect and trust. We will work at earning your respect and trust by providing you with solid business advice about the types and limits of insurance coverage that you need. We will do this by educating you about the risks you face and how specific coverages will transfer those risks to the insurance company. We are not trying to sell you insurance.
- The insurance coverages we offer include, but are not limited to policies of the following types:
- Buiness Owners Packages
- Commercial Packages
- General Liability
- Commercial Auto
- Workers’ Compensation
- Property
- Inland Marine
- Business Owners Package policies are designed for the small business and typically include the following coverages:
- Business Personal Property - property that is owned by you and used in your business
- Business Income – covers actual loss of Business Income as a result of the suspension of your business operations due to a cause of loss covered by the policy
- Extra Expense – covers the extra expense that you would not have incurred if there had been no direct physical loss or damage at your business location
- Liability – The insurance company has the right and duty to defend you against any lawsuit brought by a third party seeking monetary damages for bodily injury, property damage, or personal and advertising injury
- These policies specifically exclude Errors & Omissions and
Professional Liability
- Businesses that are ineligible for the Business Owners Package policy include manufacturers, Banks, Savings & Loans and Credit Unions, Some types of Contractors. Automobile dealers and repair or service stations and garages.
- Commercial Packages are utilized for businesses that do not meet the underwriting criteria for a Business Owners Package policy and are custom tailored to the business.
- Inland Marine – Eligible property for these policies falls into five basic categories:
- Imports & Exports
- Domestic Shipments
- Instrumentalities of Transportation such as bridges, tunnels, piers, wharves, docs, slips, marine ways, pipelines, power transmission and telephone lines, radio and television communication equipment, and cranes used for loading and unloading ships, trains and trucks
- Personal Property Floaters such as jewelry, furs, and fine arts
- Commercial Property Floater used for Contractors Equipment, Installation Floaters, and Accounts Receivable
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