No assembly required! That describes our Businessowners program. We offer seven distinct policies targeted at nine fields of business. Each comes “pre-assembled” with many coverages included as standard features.
Our Commercial Package Policy (CPP) can best be characterized as a finely tailored suit. Each policy is custom fit for each of our commercial clients. Appropriate coverage can be selected from a wide range of options and enhancements and assembled into one comprehensive policy.
Commercial Umbrella policies work exactly as their name implies. They provide a layer of protection above that afforded by underlying policies. When losses exceed the coverage limits of standard Business Auto, Businessowners or Commercial Package policies, the Commercial Umbrella policies take effect to cover the balance (subject to policy limits and other conditions).
Employment Practices Liability Insurance (EPLI) provides defense and indemnity protection against claims arising from the employer/employee relationship. The policy shields employers—plus all current, former, and prospective employees, directors and officers, even the corporate entity—against a broad spectrum of employment-related claims.
Workers’ Compensation Insurance is highly regulated by state governments, and regulations vary greatly by state. Some states retain sole authority to write Workers’ Compensation Insurance while others allow insurance companies to provide coverage according to strict rules.
Businesses are acquiring and increasingly relying on equipment and technology to perform and maintain operations. Such reliance significantly increases the likelihood of a system failure. Thus, we offer Equipment Breakdown coverage as the solution to this potentially disastrous situation.
