Insurance Policies & Coverages

Commercial General Liability

A business’ general liability policy covers damage from bodily injury, property damage, personal injury, or advertising injury to others.  This coverage also provides medical payments coverage for someone injured on the business’ premises or by their operations.

Commercial Property Insurance

Property coverage provides insurance for direct physical loss or damage to covered property.  This includes, building, business personal property, and personal property of others in the business’ care custody or control.

Business Auto & Trucking Insurance

Business Auto or Truckers Insurance policy provides coverage for liability and/or physical damage to your business’ vehicles.  Autos are defined as a land motor vehicle, trailer, or semi-trailer designed for travel over public roads.  This coverage includes mopeds, motorcycles, ATVs, motor homes, trucks and tractors.

Cargo & Warehouse Insurance (Inland Marine)

There are various types of transportation insurance policies including: domestic shipments, trip transit, parcel post, air cargo, truckers, freight forwarders, freight brokers, warehouse, and logistics.  The purpose of Inland Marine insurance is to cover goods while being shipped or stored.

Ocean Marine

There are four categories of Ocean Marine insurance.  The first is called hull coverage which are classified according to the type of vessel including: sailboats, yachts, fishing boats, etc.  The second protects against liability to third parties.  The third provides coverage for loss or damage to the cargo being carried on a ship.  The fourth category covers the ship’s freight or money payable to customers.

Business Income & Extra Expense

Business Income insurance provides you with revenue lost due to a covered loss on your property policy.  This coverage is critical to keep your business afloat after a loss.  In addition, if your business cannot afford to shut down after a loss, extra expense coverage will provide the funds necessary to relocate and continue your operations.