Commercial Insurance

A standard insurance policy issued to businesses to protect them against liability claims for bodily injury, property damage, operations, products, advertising and personal injury liability.

Features line-by-line interpretations of the most commonly used commercial property, crime, inland marine, and equipment breakdown.

Any establishment that sells, serves, or assists in the purchase or use of liquor in its normal course of business (i.e. dram shop) opens its doors for a liability claim as a consequence of someone becoming intoxicated to the extent that injuries or property damages are the result.

Workers' Compensation Insurance is coverage (that may be mandated in your state) for an employee's medical expenses, lost wages, and rehabilitation services that result from a workplace injury or illness.

The commercial auto policy provides physical damage coverage for vehicles you own, lease, hire or use in your business and liability coverage for bodily injury and property damage caused to others by use of the insured business vehicles.

Life insurance is a key tool to protect the business from the critical loss of executives or owners.

A captive insurance company is a wholly owned subsidiary insurer formed by a parent company to provide risk management services for the parent company and/or related entities. Captive programs are designed for parent companies whose combined insurance premiums exceed $150,000 annually.