Business Insurance
Business InsuranceOur Commercial Insurance Department provides comprehensive insurance coverage’s for all businesses regardless of size, profit and not for profit businesses utilizing a variety of products.
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Introduction to Certificates of Insurance
Most commercial agreements (e.g., leases, service contracts, or vendor agreements) contain risk allocation and insurance provisions that require one party to accept responsibility for certain losses and to obtain a sufficient amount of insurance to be able to meet their financial obligations should losses occur. Certificates of insurance (COI) are the customary method of showing that the party providing the certificate has met their insurance requirements. The following provides a brief overview of COI.
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Workers’ Compensation
WORKERS COMPENSATION AND EMPLOYERS LIABILITY COVERAGE insures against claims for work-related injuries or diseases suffered by employees that are compensable by statute and/or imposed by law as damages.
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Additional Liability Coverages
EMPLOYEE BENEFITS LIABILITY COVERAGE addresses the requirements of employers to provide their employees with information about the benefits available to them. This form provides coverage for damages that result when an employer does not fulfill its notification requirements and the employee is denied access to benefits he or she could have received.
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Business Automobile
BUSINESS AUTO COVERAGE provides scheduled liability and physical damage coverages without the need for numerous additional forms and endorsements.
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Commercial General Liability
COMMERCIAL GENERAL LIABILITY (CGL) COVERAGE is designed to cover the bodily injury and property damage liability exposures related to operating a commercial venture.
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Commercial Umbrella
COMMERCIAL UMBRELLA COVERAGE provides liability coverage that supplements the limits of an insured's general liability, automobile liability and employers liability policies.
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Commercial Insurance Department
Our Commercial Insurance Department provides comprehensive insurance coverage for all businesses regardless of size utilizing a variety of products including:
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Crime / Employee Theft Coverage
EMPLOYEE THEFT COVERAGE is the insuring agreement that applies to employee theft losses involving money, securities and other property.
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Directors and Officers Liability
DIRECTORS AND OFFICERS LIABILITY COVERAGE insures corporate directors and officers against claims, usually brought by stockholders, alleging loss due to mismanagement.
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Employment Related Practices Liability
EMPLOYMENT-RELATED PRACTICES COVERAGE is available for the legal costs to defend claims against sexual harassment, wrongful termination and discrimination, and the actual legal liability for such acts.
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Flood & Earthquake Coverage
FLOOD COVERAGE applies to direct loss or damage by flood to buildings and their contents on either a replacement cost or an actual cash value basis.
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General Coverages
LICENSE AND PERMIT BONDS are as numerous as the regulations affecting commercial activities. When a governmental entity requires an individual or business to obtain a permit or a license to perform an action or service, a bond is normally required to guarantee that the licensee or permit holder will perform as promised.
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Package Policies – Property and Liability
COMMERCIAL PACKAGE POLICY (CPP) is not a separate coverage form but rather is a convenient collection of several coverage forms packaged together.
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Professional Liability – Errors and Omissions
PROFESSIONAL LIABILITY, also known as Errors and Omissions or E&O Insurance, protects you and your business from potentially catastrophic litigation caused by charges of professional negligence or failure to perform your professional duties.
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Property Coverages
BUILDING includes the building or structure itself as well as inside and outside fixtures, permanently installed machinery and equipment, and equipment used to service the building. This includes refrigeration, cleaning, cooking and other equipment.
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Special Coverages for Technology Companies
Technology Companies have exposures not typically covered by traditional insurance policies. General Liability Policies cover claims of bodily injury and property damage only, and typically excludes coverage for claims related to the delivery of professional services and privacy and security breaches. Technology Errors and Omissions Liability protects your company from claims if your client holds you responsible for programming errors, software performance, or the failure of your work to perform as promised in your contract.
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Technology Division
Insurance specially designed for technology companies
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