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General liability, commonly referred to as GL, protects you and your business from a variety of claims including bodily injury, personal and advertising injury and property damage.  Not only does GL pay settlements in the event you are liable for damages, it may also provide your legal defense.  General Liability coverage is required by most contracts including leases and projects.

All 50 states have some form of workers compensation law.  In fact, if you have employees and you don’t have workers compensation insurance it may be a misdemeanor violation subject to major fines.  Workers compensation is considered the sole remedy available to employees for work related injuries.  Not only does workers compensation pay medical bills in the event of a work-related injury, it also pays for both short-term and long-term disability.  As an employer, you care about each of your employees.  If an employee is hurt on the job, you want to know that the employee and their family will be cared for.  We have flexible plans to give you that security.

Commercial Auto & Trucking Insurance is similar to your personal auto insurance, however there are major differences in the coverage, limits and exclusions.  Did you know that most personal auto policies include a business use exclusion?  Car accidents are perhaps the most common type of injury!  If you or your employees drive regularly or even just run the occasional errand for work, a personal auto policy will likely not cover that accident.   Whether you need to protect a fleet of vehicles and drivers, or one vehicle and driver, We will help keep you on the road and moving forward.

Whether your business is big or small, with one employee or many, your business needs to be insured.  Don’t be fooled by thinking that general liability will cover all of your risks.  General Liability is designed to cover third party injury and property damages.  BOP policies are designed to cover not only third-party damages but also your own property such as tenant improvements, inventory, computer systems and more.  In fact, many of the BOP Policies cover items you’ve likely never even thought of.  When an unexpected disaster strikes a BOP Policy from will help you know what to do next.

No matter where you are in the supply chain, manufacturing, packaging, wholesale or retail you could be found liable for a product that caused an injury or property damage.  At minimum you can be sued and dragged into the court room.  Product Liability Insurance is designed to provide legal defense and pay for damages in the event of damages caused by your product.  In fact, options in a Product Liability Policy may even pay the expenses to recall and withdrawal your product before someone else is hurt.

Sometimes you just need that extra layer of security. Or, that big contact may require higher limits of insurance than your current policies afford. Umbrella and Excess Insurance is designed to sit above the limits of your General Liability, Commercial Auto, Professional Liability, Workers Compensation Insurance and more. You might be surprised to know, because Umbrella and Excess Policies only respond once the limits of your base policy have been exhausted, these policies are more affordable than you might have thought. Go ahead and bid on that big project with confidence!

Professionals know making a mistake in their recommendations, designs or solutions could be costly to their clients. They also know General Liability insurance is designed to cover direct physical damage, not errors or omissions while providing professional services. As an owner or officer in your company there is nothing to stop a disgruntled customer from not only filling a lawsuit against the business, but also against key employees personally. If you’ve ever managed staff, you’ve likely dealt with a disgruntled employee. We offer businesses a full line of Management and Professional Liability Insurance to protect the business and key employees alike.

Did you know, your property insurance likely only affords coverage when the property is at your physical location? If you’re on the move from job to job your tools, equipment and materials are likely not covered if damaged in an accident or stolen. The last thing a customer wants to hear is that the materials for their remodel were just damaged in an auto accident. Or, that the job is delayed because your tools were just stolen from your truck. Whether it’s a large excavator, core drill, flat saw or hand tools, We offer the protection you need to keep that job going.

When you store customer information, you’re responsible for it. I’m sure you’ve seen it on the evening news, even Fortune 500 companies are subject to data breaches and hackers. If you’ve been “hacked” what happens next? Who is going to pay to notify clients and help them recoup damages? Who is going to defend you if you’re sued? How will you restore lost data and computer systems vital to your business? We offer a variety of both first and third party Cyber Liability Coverage so that you can recover quickly from a cyber-attack.

Did you know there more than 50,000 types of Surety Bonds in the US?  How do I know what type of bond I need? Whether the bond is for a State Agency such as the Contractors Board, a Defective Title Bond for the Department of Motor Vehicles or a Performance Bond for a private party, we will make sure you get what you need to fulfill your obligation.