Real property coverage provides protection for permanent structures listed on the policy. Completed additions, permanently-installed fixtures, machinery and equipment, outdoor fixtures, owned personal property used to service, repair or maintain the building and additions under construction or repair are all included in this definition.
Personal property owned by your firm and used in your operations. Furniture and fixtures, equipment and machinery, raw stock, and finished goods all fall within this category. Personal property of others while located in your covered building or within 100 feet of the premises can also be insured. Contents located off premises are not covered and must be insured by alternate methods.
Commercial General Liability
This coverage protects your business from claims arising from alleged bodily injury, personal injury, or property damage liability. It includes protection for services you render and products you sell. Coverage payments can include judgements, attorney fees, court costs, and other related expenses.
Business Auto
This policy provides a combination of liability protection and physical damage coverage for loss due to damage to vehicles you own, maintain, or use. You can "customize" the policy to fit your business needs.
Inland Marine
Property that is mobile in nature has been traditionally handled on these types of policies. A wide variety of forms and coverages has been developed to handle the needs of this property.
Builders Risk
Insureds engaged in construction of structures are exposed to special problems involving constantly changing values, special hazards associated with construction activities and the variety of interests involved in such projects.
Umbrella / Excess Coverage
This policy provides protection against catastrophic liability claims. The policy acts as an excess coverage over your primary liability policies. Its limits apply in addition to those provided by the underlying coverage.
Worker's Compensation
State law requires that all employers provide Workers' Compensation insurance for their employees. This insurance provides coverage for accidents or disease arising from employment as prescribed by these state laws. Benefits can include lost wages, medical expenses, and permanent disfigurement/disability payments.
Workers' Compensation coverage is designed to meet the Workers' Compensation laws of your state. Workers' Compensation coverage provides protection for injured workers.
Professional Liability
This coverage is used to insure against claims arising out of negligent acts, errors or omissions in the rendering or failing to render professional services as defined in the policy. Policies can include coverage for architectural; errors and omissions; design, build and construction management.
Pollution / Environmental Insurance
The coverage is used to insure against claims arising from pollution related occurrences as defined in the form such as substances in water, soil, or air that degrade the natural quality of the environment, offend the senses of sight, taste, or smell, or cause a health hazard. The usefulness of the natural resource is usually impaired by the presence of pollutants and contaminants.