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Our proven approach to risk management has been refined over the years. It includes a comprehensive risk analysis to identify potential exposures and gaps in coverage. We have earned an astute reputation for negotiation, garnering for our clients the best terms and conditions in the design and implementation of insurance programs to help protect against loss.

A key role of our Commercial Lines department is the negotiation of the best terms and conditions of coverage with carriers and intermediaries to eliminate or mitigate risk based on recent changes and developments within the insurance marketplace.

Business Automobile Coverage
Designed to provide a standard method of insuring vehicles other than private passenger automobiles.

Commercial General Liability Coverage
An all encompassing type of insurance policy which covers all liability exposures for all locations and causes of loss except those specifically excluded in the policy.

Commercial Property Coverage
Protects against physical damage to buildings, contents, stock, and equipment. The terms and conditions of coverage are determined by the limit of insurance chosen by the policyholder. The limit is based on the items that the policyholder wishes to insure; i.e., buildings, stock, machinery, valuable papers, etc.

Boiler & Machinery Coverage
This form of insurance provides mechanical breakdown coverage generally not available under any other insurance policy. A Boiler and Machinery policy can protect an insured against the effects of catastrophic property loss, such as steam boiler explosion or an expensive breakdown of machinery and equipment.

Inland Marine Coverage
Inland marine insurance indemnifies loss to moving or moveable property and is an outgrowth of ocean marine insurance. Historically, ocean marine insurance held the transporter responsible for property loss before, during, and after the completion of the voyage. In the 1800's, the non-ocean portion of the journey grew as cargoes were transferred to barge, etc., and the term "inland marine" was coined. Inland marine policies became known as "floaters" since the property to which coverage was originally extended was essentially "floating."

Umbrella Liability Coverage
This type of liability insurance provides excess liability protection. Your business needs this coverage for the following three reasons:

• It provides excess coverage over the "underlying" liability insurance you carry.
• It provides coverage for all other liability exposures, excepting a few specifically excluded exposures. This is subject to a large deductible of $10,000.
• It provides automatic replacement coverage for underlying policies that have been reduced or exhausted by loss.

Workers Compensation
A system of compensation for work-related injuries or death, paid for by employer compensation insurance contributions. All employers must have worker's compensation insurance of some kind.

Fidelity & Crime Coverage
Insures an employer against acts of employee dishonesty such as theft or embezzlement.

Directors and Officers Coverage
Almost any day to day decision or action by anyone in the organization can trigger a lawsuit. Of all the lawsuits brought against nonprofit organizations, more than 50% involve employees.

Employment Practices Liability Coverage
Protects the corporation, directors & officers and employees for claims resulting from wrongful termination, discrimination, sexual harassment, wrongful discipline and failure to employ or promote.

Whether you are right or wrong in the eyes of the jury, the typical defense costs alone average $100,000 - $200,000 per case!