Insuring a Bright Future

Coverage for legal liability; mainly bodily injury, property damage, personal & advertising injury, & medical payments for exposures on premises, for operations, and for products. Coverages can be modified to fit the need of the business. General Liability policies can be written as a singular policy or a package policy. 

Most states require employers to purchase insurance if they have at least one employee. Laws vary state to state. Coverage applies to accidental bodily injury, death, or occupational disease. In states where it is still elective, if an employer chooses not to purchase insurance, then the employer loses it's common law defenses against liability suits. Employers liability insurance is a separate coverage that protects employers not covered under workers comp laws. Workers compensation insurance can also be written for businesses with no employees, with owners included or excluded from coverage. 

Commercial property coverage is available for buildings, business personal property, & personal property of others in the insured's care, custody, or control. Additional coverages such as debris removal, pollutant cleanup, electronic data, business income, legal liability, & extra expenses are available depending on area. 

Business auto coverage can include coverage for owned, non-owned, leased, hired. or borrowed autos. Options for physical damage to owned/hired vehicles. Garage coverage for dealerships, auto shops, & parking lots. Truckers coverage for haulers of other's goods. Motor Carrier coverage for transported property. Garage keeper's coverage for shops with non-owned property in their care, custody, or control. Fleet options also available.   

An Umbrella policy provides excess protection through higher limits of liability coverage. Commercial policies provide blanket coverage over business auto & liability policies starting at $1 million in coverage. Umbrella policies apply after the primary policy pays it's limits, up to the umbrella limit. 

For bars, restaurants, & similar establishments that sell or serve alcohol. Protection is provided in the event of action brought against the insured for selling liquor to a customer who is later involved in an accident. Coverage can usually be included as an extra coverage to a General Liability policy. 

Fidelity bonds guarantee honesty and trust with employees, where coverage is provided for losses caused by theft, embezzlement, misappropriation & other fraudulent acts. Certain employment positions or blanket coverage is available for businesses. 

Surety bonds guarantee performance of another party, if contractual obligations are not met then compensation is made to the other party. Contract bonds like Bid and Performance guarantee written contract performance. License and Permit bonds guarantee laws and regulations are followed. Judicial bonds for legal or fiduciary obligations available for court appeals, attachments, bail, or injunctions. 

*Policies and Coverages available depend on area and other rating factors. 

Homeowner & dwelling policies can insure 1 to 4 unit residential buildings. Homeowners policies provide standard coverage for other structures, personal property, loss of use & personal liability. Where dwelling policies provide coverage for other structures, personal property, & loss of use; dwelling policies have an option for additional coverages such as personal liability. Homeowners policies are written with the owner as the occupant of the dwelling. Depending on the type of property occupied, coverage can be modified accordingly. 

Homeowners policies for Condo owners include coverage for any part of the residence property that is owned, including any parts of the building that have had alterations or appliances that are part of an association agreement. Condo coverage for the residence property includes any alterations or improvements, personal property, & any structures owned solely by the insured.  

Contents broad policies; also referred to as Tenant policies insure the personal property of the tenant occupying a rented dwelling or apartment. These policies do not provide coverage for the dwelling. Policies can be paired with auto policies for a multi-discount, like homeowners policies. 

Coastal properties that have had catastrophic losses typically have more restrictions in coverages available to property owners. Coverages like Wind & Hail are typically covered with a separate deductible. Coverages also available include Wind Only policies, & Excess Flood policies. 

Vacant homes are considered dwellings that are not occupied, & do not contain any personal property. This can be the result of renovations, in-between tenants, or selling the home. Specialty homeowners policies can provide coverage with options for named perils, vandalism & malicious mischief, agreed loss settlements, & liability coverage. 

*Policies and Coverages available depend on area and other rating factors. 

Personal auto for owned, non-owned, and hired motor vehicles. Legal liability for bodily injury and property damage with options for coverage for uninsured motorists, damage to your vehicle, roadside assistance, and new car replacement. 

*Policies and Coverages available depend on area and other rating factors.

Property damage caused by flooding is not covered under Homeowner insurance policies. Flood coverage is available as a separate policy through private insurers, or the National Flood Insurance Program. Coverage for residential and small business property available. Maximum limits available for residential properties are $250,000 for buildings and $100,000 for contents/personal property. 

*Policies and Coverages available depend on area and other rating factors. 

Earthquake coverage for property is excluded on homeowners policies, but can be added as an endorsement. Separate Earthquake policies also available. Coverage can be purchased for the dwelling, other structures, and personal property. 

*Policies and Coverages available depend on area and other rating factors. 

With limited coverage on homeowner's policies, watercraft coverage is another option for private owned boats. Coverage for physical damage, watercraft liability, medical payments, & uninsured boaters. This includes the boat, boat motor, trailer, & equipment or accessories. Additional endorsements for reasonable repairs & recovery. 

*Policies and Coverages available depend on area and other rating factors.