Types Of Coverage

Types Of Coverage
  • Property Insurance can fund repairs or replacements for damaged physical assets when disasters like vandalism, fire, windstorms, or hail strike.

  • Liability Insurance can protect against financial losses resulting from claims of injury or property damage caused by you or your employees and your products or services.

  • Workers’ Compensation Insurance can satisfy your employees’ medical needs in the event of an accident or disease and make a quick return to work possible, while removing lawsuit potential by current or former employees.

  • Business Auto Insurance can get you on the road again quickly after an accident and ensure your business is protected against losses from injuries to other drivers, passengers and pedestrians for which you and your employees are liable.

  • Business Crime Insurance can protect against fraud, theft, forgery or robbery.

Retail Owners

  • Business Property insurance covers your store location and the contents inside, including equipment, fixtures, and inventory. We can help you protect your store location and valuable equipment.

  • Business Income Coverage (also known as Business Interruption Insurance) allows you to continue to receive income while your store and its contents are being rebuilt and replaced. It not only helps you to cover expenses needed to keep a business operating after a loss, but it also helps you to replace lost revenue.

  • Liability insurance provides coverage in case of accidents, mistakes or injuries that may happen at your store. This may include a slip and fall accident on your premises or a customer claim that they were injured or became ill from a product or service you provided for them

  • Business Crime insurance provides coverage for your Retail Store if one of your employees steals monies, securities or other property from you.

Restaurant Owners

  • Business Property insurance covers losses if a fire, hail or another event damages your building and equipment, which could force you to close your restaurant’s doors. It covers your restaurant location and inside contents including fixtures, furniture and valuable restaurant equipment.

  • Business Liability insurance for accidents, mistakes or injuries that may occur at your restaurant. This may include a customer’s claim of a broken tooth or illness because the food served at your restaurant was tainted.

  • Business Crime insurance unfortunately, employee theft, robbery and forgery are obstacles you may encounter as a restaurant owner. Business Crime insurance covers you for losses both within and outside your restaurant.

  • Workers’ Compensation insurance  accidents involving your employees may happen even in the safest, most code-compliant kitchens and dining rooms. We offer Workers’ Compensation insurance for your restaurant so you are prepared when those accidents and illnesses occur.

Home and Building Services Owners

Home and Building Services Owners
  • Business Property insurance coverage for your Home and Building Service business no matter what the future holds. Whether it is a windstorm, fire or other unexpected event, we can help you protect your equipment, valuable papers and customer service records.

  • Business Liability insurance for your Home and Building Service business in case of accidents, mistakes or injuries that may occur at your job site. This may include incomplete work on a residential or commercial property that causes a client or customer to be injured.

  • Our Contractors’ Tools and Equipment Coverage option can help you cover costs to replace tools and equipment your business needs to continue servicing your customers. It would cover items that are damaged by a fire, theft, or other covered cause of loss.

  • Business Crime insurance coverage for your business could help you with losses resulting from wrongdoing like employee theft and robbery by a third party.