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Comprehensive protection for your buildings, contents, and loss of profits Legal liability protection for loss to third parties caused by or alleged to have been caused by your business operations or products A comprehensive policy combining the property crime, marine and liability coverages for eligible small businesses Mandatory coverage for employees insured or sick on and off the job Protection against claims brought by employees or third parties for financial damages resulting from your actions or failure to act in the performance of your professional services Provides protection for financial loss due to theft of money or property by employees or third parties. Insurance bonding may be available to provide performance or financial guarantees This policy provides critical coverages that are normally excluded on standard liability policies.  The following are examples of these coverages A comprehensive insurance program addressing your foreign property and marine liability
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  Business Property



Comprehensive coverages for buildings (stand-alone or incorporated into a package with other coverages)

A) Building whether owned or legally liable to insure through lease requirements on a replacement cost or actual cash value basis

B) Business personal property (furniture, fixtures, equipment, inventory or improvements and betterments made at your cost) on a replacement cost or actual cash value basis. This property may be owned, leased, or for which you are legally liable at law or by contract. It can be covered on your premises, in transit, or at off-site locations.

C) Business interruption which covers your loss of gross profit, continuing expenses and those extra expenses incurred to facilitate a speedy return to normal operations. Coverage can be extended to cover locations operated by others on whom you depend (contingent business interruption). The appropriate form of business interruption will be matched to your specific needs.

D) Optional coverages:These are a multitude of stand-alone or bundled enhancements offered by our many insurance companies which we tailor to your operation.




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