Our Specialties

SMALL COMMERCIAL PACKAGES

COVERAGES AVAILIABLE:

  • UP TO $1,000,000 IN PROPERTY LIMITS
  • 1MIL/2MIL/2MIL G.L. LIMITS
  • MINIMUM PREMIUMS STARTING AT $750
  • WIND/HAIL DEDUCTIBLES STARTING AT $1000

 

COMMERCIAL PROPERTY INSURANCE 

$6,000,000 IN HOUSE QUOTING AND BINDING AUTHORITY

COVERAGES AVAILABLE:

  • SPECIAL FORM
  • PRIMARY & EXCESS LAYERS
  • PARTICIPATION STOCK REPORT
  • BUILDERS RISK/REHABS

DESIRABLE CLASSES:

  • SHOPPING CENTERS
  • BUILDING OWNERS
  • RESTAURANTS
  • BARS/TAVERNS
  • HOTEL/MOTEL/APARTMENTS
  • LARGE PROPERTY SCHEDULES
  • VARIOUS MERCANTILE
  • VACANT PROPERTIES
  • AND MANY MORE

 

COMMERCIAL CASUALTY INSURANCE

$6,000,000 IN HOUSE QUOTING AND BINDING AUTHORITY

COVERAGES AVAILABLE:

  • OCCURRENCE FORM
  • CLAIMS MADE (IF NECESSARY)
  • LIQUOR LIABILITY
  • UMBRELLAS
  • EXCESS G.L.
  • SPECIAL EVENTS LIABILITY

DESIRABLE CLASSES:

  • OL&T CLASSES
  • LIGHT M&C CLASSES
  • ARTESIAN CLASSES
  • GENERAL CONTRACTORS
  • LIGHT MANUFACTURING
  • HEAVIER M&C CLASSES (CALL AND INQUIRE)

 

COMMERCIAL INLAND MARINE INSURANCE

COVERAGES AVAILABLE:

  • MISC. ARTICLES FLOATER
  • EQUIPMENT FLOATERS
  • BUILDER’S RISK
  • MOTOR TRUCK CARGO
  • BAILEES
  • WAREHOUSEMEN’S LEGAL
  • AND MANY MORE

 

CYBER LIABILITY

COVERAGES AVAILIABLE:

  • PRIVACY/SECURITY LIABILITY
  • ATTORNEY SERVICES, FORENSIC, PUBLIC RELATIONS/CRISIS MANAGEMENT COSTS
  • NETWORK EXTORTION THREATS COVERAGE
  • DATA ASSET RECOVERY AND BUSINESS INTERRUPTION COVERAGE
  • LIMITS AVAILABLE UP TO $10,000,000
  • MINIMUM PREMIUMS AS LOW AS $500
  • PAY FIRST DOLLAR ON ATTORNEY SERVICES

 

ERRORS & OMISSIONS

  • LIMITS AVAILABLE UP TO $5,000,000/$5,000,000
  • PROFESSIONAL LIABILITY OR COMBINED PROFESSIONAL LIABILITY & G.L.
  • CLAIMS MADE FORM
  • MINIMUM PREMIUMS AS LOW AS $2500
  • DEDUCTIBLES AS LOW AS $2500

 

GARAGE KEEPERS & GARAGE LIABILITY

  • PREMISES AND AUTO LIABILITY
  • FIRE LEGAL LIABILITY GARAGE KEEPERS
  • DEALERS’ PHYSICAL DAMAGE
  • BROADENED COVERAGE
  • UNINSURED MOTORISTS

 

HOMEOWNERS PROGRAM HIGHLIGHTS

  • COMPETITIVE RATES, ESPECIALLY FOR NEWER HOMES
  • DWELLING LIMITS BETWEEN $100,000 AND $750,000
  • HOMES BUILT 1970 AND LATER
  • PRIMARY OCCUPANCY
  • ORDINANCE OR LAW (BUILDING CODE) ISSUED AT 25% OF A
  • WIND DEDUCTIBLE DETERMINED BY PROPERTY SPECIFICS

 

Associations