Whether you’re adding onto a current structure or building a new building, do you know who’s insuring it while it’s being constructed? In many cases the builder can insure the building. But in some situations, the owner is required to insure it. A Builders Risk policy protects against the perils of collapse and theft of building materials. Talk to our team of professionals who can to determine how to properly insure your buildings in the course of construction.

If your business owns one vehicle or a fleet of vehicles you need a commercial auto policy. Talk to our team of professionals to discuss your specific exposures and how to properly cover them.

If you own a business, you need one of these insurance policies which include General Liability and other coverages that are appropriate to your particular exposures. Consult our business insurance specialists for a policy that is “tailor-made” for your business.

Are you sure that your business's crime exposures are covered? Check with our commercial specialists to discuss your possible exposures and how they can be protected by insurance coverage.

Are you a director or officer of an organization? If so, your personal assets could be at risk. Ask our team of experts how a Directors & Officers Liability policy can protect you agains claims alleging financial loss arising from mismanagement, as well as other situations.

If I am covered under a workers compensation or health insurance policy do I need a disability policy? The answer is yes. A workers compensation policy will only cover you for a work related injury. What if you are hurt at home or during personal time, or you have to take off work due to a surgery or pregnancy? There would be no coverage under Workers Compensation and health insurance covers only your medical bills. A disability policy provides you a portion of your income while off of work for an extended period of time. For a sole-proprietor with no employees, this is often a better alternative. Stop in today and let us show you how.

Any business owner who has employees needs Employment Practices Liability. We live in a very litigious society. An employee could claim discrimination, negligent hiring, wrongful discharge, wrongful evaluation, wrongful discipline, wrongful promotion, libel or slander, sexual harassment, workplace harassment, failure to hire, wrongful termination or wrongful retention. Employment Practices Liability is designed to address the liability that arises out of employment. This coverage can sometimes be added to your existing policy or written as a separate policy. Our team members can provide you with real life examples of employment practices liability and provide coverage to protect your business.

Why do I need an umbrella liability policy? Umbrella coverage protects an insured from third party catastrophic loss. If you don’t have adequate liability limits, the next step in a major loss will be the injured party going after your financial assets. Our team of experts can show you how an umbrella liability policy can help protect those assets.

Does your customer require a bond to guarantee your job performance? We can help with a Surety Bond. We can also provide Fidelity Bonds to protect financial interests, as well as other types of bonds.

Do you own a business? If you do, you have a liability exposure which can be protected by a General Liability policy. This coverage can pay damages to third parties on your behalf as well as paying costs involved in defending you against a claim of liability. Our business insurance experts will provide a competitive quote for your exposure.

Do you have at least one full-time (30 hours per week or more) employee? You may be eligible for a Group Health insurance policy. Consult with our Health Insurance specialists. We have many deductibles, programs and companies with which we can assist you in setting up a health insurance plan that is right for your group of two or more.

Do you own business property that is not at a fixed location? You need Inland Marine insurance! Let our team of business experts help you determine the appropriate amount and type of coverage.

Why do you need Life Insurance? Family protection, replacement of lost income due to premature death, insuring children’s future, final expenses, estate planning. These are just a few of the many good reasons to have the proper life insurance protection. Consult with our Life Insurance specialists who can assist with your decisions regarding the type and amount of coverage that are appropriate for your needs.

In the event of a major loss how quickly could your business be back in operation and what would it cost? Business income coverage helps to cover the gaps. Loss of profits, continued expenses such as mortgage, payroll, taxes and insurance premiums are examples of what could be covered under business income. There are also the additional expenses a business would not normally have that are incurred during the period of rebuilding due to costs of temporarily relocating, leasing of equipment, etc. In certain situations, business income can end up being the largest portion of your loss. Having the correct coverage amounts and time elements is important. Our team of professionals can help you determine your business income exposure and make sure you are covered.

Whether you manufacture a product, manufacture a piece of a product or assemble a product, you need Products Liability coverage. No matter your involvement in the manufacturing of that final product, in the event of a loss, you will be brought in. Products liability will cover not only your defense costs but also any judgment amounts up to policy limits. Our team of professionals can help you make sure your business is protected.

Commonly referred to as Errors & Omissions Liability. While generally completed operations liability is covered under the general liability policy, certain classes of business require a separate Professional Liability policy for this coverage. Examples of these classes of business are lawyers, home inspectors/appraisers, doctors, consultants, real estate agents, accountants, contractors, therapists, beauticians/barbers, pet groomers, clergy, etc. Since this coverage is aimed at the property operations of your business, it’s crucial that you have this coverage. Talk with our team of professionals today to determine if you need professional liability.

When is Workers Compensation required for my business? Why am I being audited and what does that mean for my business? If you have employees or are looking to add employees chances are you have some of these concerns. Our team of professionals can discuss with you rules and coverages of Workers Compensation. While the word audit may bring feelings of panic, we can help you turn this process into a painless experience. Many of our companies also have loss control services to help you spot a potential hazard before a loss occurs. Just one of the many services we can offer you to help your business remain successful!