What We Cover:

• Alarm & Fire Protection
• Apartments
• Architects
• Auto Repair Shops
• Barber or Beauty Shops
• Carpet Cleaners
• Churches
• Clinics
• Condominiums
• Consultants
• Contractors
  • Carpenters
  • Concrete Contractors
  • Electricians
  • Excavators
  • General Contractors
  • HVAC Contractors
  • Land Graders
  • Landscapers
  • Masons
  • Painters
  • Pavers
  • Plumbers
  • Roofers
  • Sewer Contractors
  • Sheet Metal Contractors
  • Siding Contractors
  • Tree Trimmers
• Detective & Security
• Engineers
• Floor Installers
• Freight Installers
• Garbage Haulers
• Hole In One
• Loggers
• Manufacturers
  • Concrete Products
  • Food Products
  • Foundries
  • Furniture
  • Machine Shops
  • Metal Goods
  • Plastic Products
  • Woodworking Shops
• Marine Insurance
• Motels and Hotels
• Non-Profit Organizations
• Officers
• Outdoor Adventure
• Pest Control
• Printers
• Real Estate Agents
• Repair Shops
• Restaurants
• Sand and Gravel Haulers
• Sawmills
• Special Events
• Sports & Leisure
• Stores
  • Auto Accessory Stores
  • Building Material Dealers
  • Convenience Stores
  • Electronic Stores
  • Floor Covering Stores
  • Furniture Stores
  • Gas Stations
  • Glass Dealers
  • Grocery Stores
  • Hardware Stores
  • Machinery Dealers
  • Retail Stores
  • Wholesale Distributors
• Truckers
• Warehouses
• YMCA / YWCA
• And Much More!

Automobile Coverage is available for the following:

• Your obligation to others for bodily injury or property damage
• Costs of settling claims and defending suits
• Medical payments or no-fault benefits
• Uninsured and underinsured motorists
• Comprehensive
• Collision
• Towing
• Rental reimbursement

Any size fleet may be written. 

Garage 

The Garage coverage form is designed for automobile dealers. It combines coverages provided under General Liability and Automobile policies. In addition, Garagekeepers’ coverage is available to pay all sums resulting from damage to automobiles left in your care.

• Contract Bonds
• License & Permit Bonds
• Court & Judicial Bonds
• Probate & Fiduciary Bonds
• Public Official Bonds
• Fidelity, Forgery & Crime Bonds
• General Bonds

Employee Dishonesty

• Covers your loss arising out of dishonest acts against you by your employees.

Forgery or Alteration

• Covers loss caused by the forgery or alteration of your checks, drafts, or promissory notes.

Theft, Disappearance, and Destruction

• Coverage applies to the loss of money and securities arising out of theft, disappearance, or destruction while inside or outside your described premises.

Insurance for what the policy holder is legally obligated to pay because of bodily injury or property damage caused to another person. These losses include such things as a slip and fall on your property, medical expenses, damage to premises rented to you, or a product you create that injures someone. Another common term for liability is casualty.

• Accounts receivable
• Bailees’ coverage
• Builders’ risks
• Contractor’s tools and equipment
• Employees’ tools
• Installation coverage
• Motor truck cargo
• Property in the course of construction
• Valuable papers and records
• Warehouseman’s liability

• Boat dealerships
• Marinas & Yacht Clubs
• Marine manufacturers
• Commercial Marine
• Recreational Marine

Packaged coverages can be specially tailored to each type of business listed:

• Apartments
• Car Care Operations
• Church
• Contractors
• Motels
• Offices
• Restaurants
• Retail Stores
• Service Operations
• Wholesalers

Commercial Package Policy The Commercial Package Property combines all the coverages you will need under one policy for one low price. Special programs with tailored coverages include:

• Apartments
• Contractors
• Manufacturers
• Mercantile
• Offices
• And More!

Broad coverages are available to insure your:

• Buildings
• Business personal property
• Personal property of others
• Loss of income and extra expenses
• Outdoor property including fences, signs, and antennas

Ask your agent about the following:

• Barbers’ and Beauticians’ Professional Liability
• Cemetery Professional Liability
• Church Counseling Professional Liability
• Church Directors and Officers Liability
• Church Sexual Misconduct or Sexual Molestation Liability
• Commercial Output Policy
• Condominium Directors’ and Officers’ Liability
• Contractors’ Errors and Omissions
• Corporal Punishment
• Employee Benefits Liability
• Equipment Breakdown
• Financial Institutions Endorsement
• Flood
• Foreclosed Property
• Full Building Coverage
• Funeral Directors’ Professional Liability
• Gap Coverage – Lease or Loan
• Liquor Liability
• Pollution
• Printers’ Errors and Omissions
• Product Recall
• Sewer Back-up
• Spoilage

Part One – Workers’ Compensation

• Covers benefits required of you by Workers’ Compensation law. Applies to bodily injury to or death of your employee arising out of his or her employment.

Part Two – Employers’ Liability

• Protects you when tort suits are brought against you as the result of injury to or death of your employee.

State Act

Maritime Employers Liability (MEL)

Jones Act

United States Longshoreman & Harbor Act (USL&H)

Defense Based Act