Insurance coverage for a work injury to your employees, and their resulting loss of income.  As an employer, you want prompt and fair claims service for your injured employees, safety program support and pay plan options, all at a competitive premium.  We have the experience and the insurance companies that will meets your needs.

Commercial general liability insurance provides premise and operations liability coverage, products liability and completed operations liability for your business protection from a third-party claim or lawsuit.  This coverage line can be very basic and simple to issue or can be very complex and difficult to obtain depending on your business exposure.

Insurance for damage to your building, contents inside the building and resulting business interruption for lost earnings or lost rental income.  You may select replacement cost of the structure, or insure for the actual cash value of the structure or at functional replacement cost for what you would rebuild.

The Business Auto Insurance Policy provides liability coverage for bodily injury or property damage you cause with an insured auto and coverage for your vehicles damage.

Bonds are not insurance.  A bond is a guarantee by the bonding company that your company will perform the job/duties as stipulated, such as payment of taxes, repair road damage due to a road cut.  If you don’t do what you are supposed to do, the bond company will do so for you and then look to you for reimbursement.  Some become underwritten much like a bank loan, since it is a guarantee of your ability to physically and financially do what is expected of you.

The Umbrella Liability Policy basically increases or extends your primary general liability limits, business auto liability limits and work comp employers’ liability by $1,000,000 or more.