Overview


Product Information

Our Business Insurance Products include a broad range of commercial coverages most often required by small to medium-sized businesses. In addition to offering standard coverages, we'll analyze your business and recommend any specialized coverages to meet your needs and help you manage risk. Our core products and specialty coverages are underwritten by top-rated insurance companies and provided to you at competitive prices.

Businessowners Insurance provides complete protection for your firm by combining Property Insurance and General Liability into one packaged policy.

Property Insurance covers damage to property that you own -- your building, equipment, furnishings, fixtures, computers, valuable papers, records, and more. Included in the Property coverage section of a Businessowners Policy is Business Income and Extra Expense, also known as Business Interruption Insurance.

  • Business Income provides for the loss of business income that results from a fire or other covered loss that disrupts the operation of your business.
  • Extra Expense covers the extra expense incurred to continue operations in a temporary location, in the event of a covered loss to your property.

General Liability covers your company's legal responsibility for the harm it may cause to others. This includes bodily injury, property damage or loss, personal injury which includes slander or libel, and advertising injury. General Liability also covers the cost of your legal defense.

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Optional Coverages that may be required for your business and written under a separate policy include:

Business Automobile Coverage protects you from losses resulting from bodily injury or property damage, caused by the use of a covered automobile. This insurance can also cover damage to your own vehicle, your company-owned car, and your employees' cars if used for company business. Coverage is customized to suit your needs.

Workers' Compensation provides coverage for work-related injuries or illnesses. If one of your employees is accidentally injured while on the job, benefits determined by state law will be paid for a wide range of services to aid the injured worker's recovery and return to work. Employer's Liability coverage is also included and covers suits brought against the employer by the employee for job-related accidents. Suits can also come from family members of employees. Workers Compensation laws often limit the liability of employers to employee suits, but suits are still possible.

Umbrella Liability provides excess liability coverage over scheduled, underlying general liability, auto liability and employers liability coverages. It is designed to increase the limits of liability, thereby providing catastrophe coverage. The umbrella policy pays (up to the umbrella policy limit) for losses only after the amount of loss exceeds any existing primary policy limits.


Specialty Coverages that may be relevant to your business can be added as an endorsement or issued as a separate policy. Some of the specialty coverages that we provide are:

Crime/Fidelity Coverages protect a business from the dishonest acts of a covered employee. The loss of money is usually excluded under standard property polices. Losses involving employee dishonesty may also be restricted. You can select from a variety of coverages that may be relevant to your business.

Boiler & Machinery insurance, also referred to as Mechanical/Electrical Equipment Breakdown or "energy systems" insurance, adds coverages that are normally excluded under the standard property policy. Many different coverages are available and it's important to fully assess your business and the type of coverage most appropriate to your needs.

Inland Marine covers business property or equipment that leaves your premises and would not be covered adequately by the usual property forms. Inland Marine also covers customers' property at your location.

Employment Practices Liability protects your business for claims resulting from wrongful termination, discrimination, sexual harassment, wrongful discipline and failure to employ or promote.

Directors' and Officers' Liability is a type of errors and omissions coverage that protects directors and officers against claims for losses resulting from failure to do their jobs properly. Claimants can include competitors, suppliers, customers, employees, investors/shareholders of the company, and government agencies.

Fiduciary Liability covers a person(s) who acts as a "fiduciary" for his or her firm's Employee Benefit Plans. The Employee Retirement Income Security Act (ERISA) imposes fiduciary responsibilities upon the employers for the administration of such plans. A fiduciary can be held personally liable for shortages in the benefit plan's assets resulting from a breach of fiduciary duty, such as improper investment of funds.


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You can also call us Toll-Free at 866-854-1782.
We'll review your current insurance program, analyze your needs, and offer recommendations to help you manage your risk.