YOUR BUSINESS
GENERAL LIABILITY
Provides legal defense and a settlement
- to those you may injure, or
- for property you may damage.
These limits can become outdated.
You can have additional coverage with a stand-alone Excess Liability Policy.
- Do you have assets to protect?
o Real estate
o Savings & investments
PROFESSIONAL LIABILITY
Provides legal defense and a settlement for errors, omissions and similar perils. Certain occupations require this.
DIRECTORS & OFFICERS
Protects against certain acts by board members.
MEDICAL PAYMENTS
Offers assistance to visitors injured at your business.
LOSS OF INCOME OR RENTS
Replaces your lost income while your business is rebuilt after a covered loss.
o Keep employees on payroll
o Maintain profit
ADDITIONAL EXPENSE
Covers the cost to temporarily relocate your business after a covered loss.
YOUR BUILDING
The Structure or Improvements & Betterments coverage can protect
- Upgrades to your building
- Outbuildings such as a garage, warehouse or shed
CONTENTS
Business Personal Property covers furniture, appliances, electronics, inventory, equipment, machinery, improvements to your leased space and more
YOUR EMPLOYEES
GROUP & VOLUNTARY LIFE
We offer employer-sponsored and employee payroll deduction coverage.
BUSINESS LIFE
Fund your business continuation agreement and other special needs.
WORKERS COMPENSATION
Provides medical payments and income replacement for on-the-job injuries
RETIREMENT SAVINGS
Annuities can fund IRAs, SIMPLE and other plans.
OTHER BENEFITS
We can refer you to local professionals for health, disability and other coverage.
YOUR VEHICLES
LIABILITY
Provides similar protection as General Liability, but for your vehicles.
FIRST PARTY BENEFITS
Provides Medical Payments, Income Loss, Accidental Death Benefit and a Funeral Benefit.
UN/UNDERINSURED MOTORISTS
Protects you if you are injured by drivers who are inadequately insured.
PHYSICAL DAMAGE
Protect your vehicles with Collision, Comprehensive, Transportation Expense, Road Service and more.
LEGAL CONTRACTS
BONDS
Guarantee bids & contracts. Protect pension funds and more.
REVIEW
We ask to review your needs when purchasing business insurance. We also provide a written annual review.
DISCLAIMER: This brochure is provided as a convenient summary. It is not an offer of coverage. Details, limitations and exclusions are found in the actual policies.