General liability insurance is coverage that is designed to protect a business for a loss arising out of a negligent non-professional act.

Bodily injury and property damage, personal and advertising injury, and medical payments are the three areas that make up a general liability policy.

Bodily Injury and property damage provides legal liability coverage in the event a loss occurs involving property or injury of persons not affiliated with the business due to a negligent act.

Personal and advertising injury protects against offenses such as libel, slander, false arrest, copyright infringment and advertising infringment.

Medical payments is coverage for injuries sustained by the general public on your premises or when exposed to business operations.

Business automobile policies are written to cover the vehicle for physical damage and protect the company and their employees from any negligence associated with the vehicle.

Worker’s compensation insurance protects the company and its employees in the event of an injury or death caused by work related activities.

Umbrella liability insurance is a policy that generally covers all other casualty insurance in place for an specific amount of money, usually in increments of $1,000,000. It protects a business from a large loss caused by the negligence of the business.

Professional liability insurance protects an individual or company for any negligence that arises as a result of the type of profession they are engaged in. i.e. Lawyer, Doctor, Dentist, or Funeral Director.

Employment Practices Liability Insurance protects the company in the event that proper employment guidelines were not followed and resulting litigation follows.

Boiler/Equipment Breakdown policies are written to protect the business from any additional costs that arise due to a breakdown of a boiler or other such equipment.

Bonds are written to indemnify a third party for default on behalf of the principal. For example, employee dishonesty bonds are written to indemnify the owner on behalf of a dishonest employee.

Inland marine policies are normally used to protect property in transit. The product is no longer at your location where you can protect it.

Most traditional policies exclude coverage for crime when it involves an employee. A crime policy will allow the company to buy that coverage back.

Aircraft Policies are written to cover the plane for physical damage and protect the owner for any negligence while in the air or on the ground.

Employee benefits are more important now than ever. A good employee is invaluable to a companies success. Let us help you understand what is available for your company and why you may or may not need.

Group health insurance is most often purchased through a business for their employees. This is nice because if you are part of a group pre-existing conditions cannot be excluded plus costs are usually lower because you are spreading the risk.

Disability Income would be money that you would receive in the event that you were injured and could not continue to work.

Having a plan to keep the doors open and business going in the event of a natural disaster that somehow affects your physical location.