Commercial Insurance
Our Purpose...is to find you the best price with the best company. Let our experienced staff do the shopping for you. Because we are insurance brokers we work to save our clients money every year on their insurance while many times providing better coverage. We also make sure you are with the best insurance companies available. Our promise includes unequaled assistance to our clients with our popular “24 Hour Concierge Service”. Our telephones are ALWAYS answered by a real person, and not a recording. With our “heart of a teacher approach” our goal is for you to know your insurance program and have peace of mind as well. As an independent insurance & financial services firm, we don’t work for an insurance company...we work for YOU!

General Liability
The General Liability program provides protection for your business from claims occurring from alleged bodily injury, personal injury or property damage liability. It even includes protection for services you provide or the products you sell. Additional coverage’s can include judgments, attorney fees, court costs, or other related expenses.

A Summary of the General Liability Policy:
Premises and Operations
Fire Damage Coverage
Personal Injury Liability
Advertising Injury Liability
Medical Payments
Products and Completed Operations

Workers Compensation
It is a requirement of a majority of State’s that employers provide Workers Compensation insurance for their employees. This provides coverage for accidents or disease that occurs from employment as prescribed by state law. The benefits include lost wages, medical expenses, and permanent disfigurement and disability payments.

A Summary of Workers Compensation:
1. Workers Compensation - The policy will pay on behalf of the employer any benefits that are due to the injured employee under the workers compensation law of the state or states designated in the policy declarations. The amount of benefits are not specified, since the laws can change, so the policy states that it will pay whatever the law presently requires. Usually, this will cover medical expenses, a limited amount of weekly compensation, and some level of death benefits to surviving dependents.

2. Employer's Liability - The employer is protected in case the injuries of the employee cannot be compensated under the workers compensation act, or if the injured employee or others can file a claim for damages against the employer even though workers compensation benefits have also been paid.

3. Employer's Stop Gap Coverage - Insured's who are located in states that do not include employer's liability in their workers compensation policies can instead purchase Employer's Liability Stop Gap Coverage as an endorsement to their general liability policy.  

Commercial Auto
The commercial auto policy provides both liability protection and physical damage coverage for loss to vehicles owned, maintained, or used by you. Additional coverage’s can be added to fit your needs such as medical payments and uninsured motorist protection. 

These can consist of:
• Specifically the listed autos (scheduled) on the application
• All “owned autos” - This covers both the vehicles scheduled on the policy and also any others that might be acquired during the term of the policy (and temporary substitute autos). This is generally included in the policy at no cost.
• Any auto - This is the most extensive coverage available. It covers autos that are listed, autos later obtained, autos hired, leased or borrowed and autos not owned by the business but being driven by an employee on company business.

This coverage may be included at an additional cost.

A Summary of Coverage’s Available:
Liability Medical Payments
Uninsured Motorists
Underinsured Motorists
Physical Damage
Comprehensive
Collision

Drive other cars coverage
This is a protection that could be important to employees that have regular use of a company car, including use for their own personal use. This covers their individual protection, instead of the protection of the business or firm.

Umbrella/Excess Liability
Umbrella/Excess Liability provides coverage against catastrophic liability claims. This acts as an additional coverage over your primary liability policies. The limits provided apply in addition to that included by the underlying coverage. A Commercial lines umbrella covers business activities and excludes personal activities.

A Summary of Additional Coverage’s Available:
• Non-Owned Aircraft – This occurs when an employee owns or uses a private plane, and causes an accident.
• Non-Owned Watercraft – This occurs when an employee owns or uses a watercraft, and causes an accident.
• Blanket Contractual - Provides coverage for oral contracts even if the underlying liability doesn't.
• Legal liability for damage caused by the insured to property in their care, custody and control, adding to and expanding other coverage's included.
• Expanded wording of personal injury to include sexual harassment, wrongful discharge from employment, and unintentional discrimination for example.
• Employee Benefits Liability, which covers errors in the administration of benefit programs, even if not included in the underlying coverage's.