Workers Compensation
Protection which provides benefits to employees for any
injury or contracted disease arising out of and in
the course of employment. All states have laws which
require such protection for workers and prescribe the
length and amount of such benefits provided. Contact
us
Professional Liability
A class of insurance policies that
indemnifies the insured for
third-party liability claims
due to negligence
in the performance of professional services. Professionals
include doctors, lawyers, engineers, insurance agents
and others. Contact us
Commercial General Liability
The commercial general liability policy provides comprehensive
general liability coverage for commercial risks covering
all liability exposures for all locations and causes
of loss except those specifically excluded or limited
either within the coverage form or by endorsement.
Protection may be provided on either an occurrence
type of policy or on a claims-made basis. Contact us
Business Auto
Coverage designed to provide a "standard" form
for insuring commercial vehicles (other than private
passenger cars). Contact us
Umbrella/ Excess Liability
A form of liability insurance protecting policyholders
for claims in excess of the limits of their primary
automobile, general liability and workers compensation
policies, and for some (few) claims excluded by their
primary policies which are subject to a deductible,
which may range from $250 for a personal umbrella to
a minimum of $10,000 for a commercial umbrella. Contact
us
Property
"
First-party" insurance of real and personal property
against physical loss or damage, not to be confused with
property damage liability insurance. Contact us
Inland Marine
The insurance of property (generally on an "all-risk" basis)
that is in the course of transportation or is of such
a nature that it may easily be transported. Also includes
some risks at fixed locations considered "instruments
of transportation or communication," such as bridges,
tunnels, neon signs, and street clocks, etc., which were
accepted as inland marine by custom. Contact us
Errors & Omissions
Obligatory reinsurance treaties contain a provision to
clarify that because of the nature of the treaty, should
an error or omission occur in the process of recording
or describing of the ceded risk, and if the risk is
otherwise covered by the treaty, the reinsurer will
still respond despite the error or omission. Contact
us
Directors & Officers
Protects officers and directors of a corporation against
damages from claims resulting from negligent or wrongful
acts in the course of their duties. Also covers the
corporation (and even the officers and directors in
some cases) for expenses incurred in defending lawsuits
arising from alleged wrongful acts of officers or directors.
These policies always require the insured to retain
part of the risk uninsured. Contact us
Environmental
Insurance designed to provide protection for the liability
exposures that may result from damage, injury and,
in some cases, clean-up costs caused by pollution.
This coverage is excluded in the standard CGL, and
the attempt has been to make the CGL exclusion as broad
or absolute as possible. Contact
us
Risk Management
The active identification, evaluation and management
of all of the potential hazards and exposures to loss
a risk may experience. The handling of those exposures
is not limited to insurance options, but includes a
variety of methods such as alternative financing, retention,
reduction, elimination, transfer, and/or any combination
of methods. Contact us |
