We provide a full line of commercial coverages for a wide range of businesses. When we work with you, we take the time to understand your products and services, your customers and your operations, so we can recommend the most appropriate coverages.
Many businesses face non-standard risks that may not be covered with standard commercial packages. In addition to the standard coverages described below, we offer packages tailored to the specific needs of:
Law firms & attorneys
Security guard firms
Social Services & other non-profits
Property & Liability
Every organization faces potentially catastrophic risks for direct losses as well as claims by others. While almost every organization has a policy providing basic protections, we can help you select the correct coverages and limits for your individual situation.
Professional Liability (Errors & Omissions)
The need for this coverage no longer applies to physicians, attorneys and other professionals, but any organization or individual that provides a service. This includes such diverse occupations as contractors, real estate professionals, advertising agencies, computer consultants, publishers, staffing firms and landscapers. You and your company may be held liable for claims arising from negligent acts, errors and omissions in rendering or failing to render service.
Employment practices liability
Lawsuits alleging discrimination, sexual harassment, retaliation, wrongful discharge and other violations are rising, and the size of settlements are growing rapidly. This in turn is attracting more plaintiffs' attorneys, exacerbating the problem. Coverage may be purchased as part of a Directors & Officers policy, or as standalone coverage.
Directors & Officers liability
Whether your organization is a public company, private concern or non-profit, your directors and officers may be the target of a lawsuit by investors, employees and others. Both the individual and the company may be held liable for actions or decisions made in managing the organization.
Personal policies generally exclude coverage for commercial use of your vehicle. If you have one or more vehicles in use at your business, you need a commercial auto policy. For companies with many drivers and vehicles, fleet insurance may offer an advantage over individual, per vehicle policies. The cost of coverage will vary widely, depending on the type and use of your vehicles, records of your drivers, business location and deductible.
Selecting the right benefit package is becoming increasingly important in retaining the best employees, and keeping them productive. The cost of health insurance and other employee benefits is growing rapidly. Weighing the cost and features of the many HMO, PPO and traditional plans available is becoming more difficult and complex every day.