business insurance solutions

Businesses need general liability insurance to cover their exposure to liability losses that can result from their business operations. So, general liability pays for damage for which the insured is legally responsible. It covers business liability hazards that are not covered by specialized forms of coverage such as automobile, marine, or professional liability, etc. 

Commercial General Liability (CGL) policies include:

     • Coverage A - Bodily Injury and Property on a per occurrence limit and aggregate limit basis. 

     • Products Completed operations is also included under Coverage A

     • A specific amount of coverage is also included in the general liability policy for fire damage legal liability, which may be increased.

     • Personal Injury & Advertising Injury is under Coverage B and Medical Payments are under Coverage C

Business Owners Policies (BOP) can offer a "packaged" approach and can include General Liability (GL), Property Coverage, Crime Coverage. Management Liability is also available as a suite of coverages and designed for exposures not covered by CGL including D&O, EPLI, E&O, Fiduciary, Kidnapping & Ransom, and Cyber Liability. We offer business policies that include a wide variety of coverage types: Property, Liability, Crime, Auto, Workers Compensation, Commercial Umbrella, Business Life to attract & retain key employees or plan for business succession and Loss Control.

We offer industry-specific coverage for

• Apartment Building Owners

• Auto & Service Repair

• Commercial Real Estate including Lessor's Risk

• Education & Non-Profit

• Homeowner Associations (HOA's)

• Hospitality

• Manufacturing

• Professional Offices

• Restaurant & Food Truck

A workers’ compensation policy can address medical care and lost income for employees, death benefits for survivors, and potential liability for covered claims. See out Workers Compensation Page for more information.

Employment Practices Liability 

EPLI is a type of liability insurance covering wrongful acts arising from employment practices and processes. The most frequent types of claims covered include wrongful termination, discrimination (e.g. based on nationality, gender, disability, age, race, religion, pregnancy, and sexual orientation), sexual harassment, and retaliation. Contact us for more details.

What is builders risk insurance?

Builders risk insures a structure while under construction.

Its coverage protects a person’s or organization’s insurable interest in materials, fixtures and/or equipment to be installed during the construction or

renovation of a building or structure should those items sustain physical loss or damage from a covered cause.

The policy is often required to comply with government regulations or as a condition to meet banking or other contractual arrangements. A standalone

builders risk policy does not provide coverage for workplace accidents and injuries or liability coverage.

Who buys builders risk insurance?

Given the broad scope of potential clients, the term can be misleading. Individuals or entities, including contractors, business owners, homeowners, or financial institutions are often your primary builders risk clients.

Depending on the terms of the construction contract, the contractor or project owner will be required to purchase builders risk coverage.

The Builders Risk Policy can be purchased in the name of the owner or builder. Contractors and other parties of interest may also be protected under an additional named insured clause.  

Should your client choose to add the builder or owner as an additional named insured, be sure a waiver to subrogate is clearly outlined in the construction  contract or agreement. This will protect the interest of additional named insureds should property damages occur during the course of construction.

Commercial Umbrella is a type of liability policy that applies over and above the coverage afforded by a primary general liability policy; it is a vital component to consider for your insurance portfolio. 

It has three primary functions: 

1. Provides      excess limits over scheduled primary Businessowners Liability, General      Liability, Business Auto Liability, and Employers Liability policies. 
2. Drops      down to replace primary coverage once the primary aggregate limits of      liability have been exhausted by claims payments; and 
3. Affords      broader coverage, for some risks and under some circumstances, than      primary policies (subject to self-insured retention). 

This is a fast-changing marketplace. The coverage we are now offering is like that being offered in the Excess and Surplus lines market, or for large corporations.

For the lower limits policies that do not require most polices provide just one set of coverage, all subject to the cyber policy aggregate limit (aka one "tower"). 

For businesses who require higher limits, we have additional "towers" of coverage that have separate aggregate limits to address call notification, legal defense, etc. Contact us for more information.