Lines Of Coverage
Commercial General Liability (CGL)
CGL insurance is a fundamental coverage that protects your business against third-party claims for bodily injury, property damage, or personal injury. If someone is injured on your premises or if your products or services cause harm to others, CGL insurance provides financial protection by covering legal expenses, medical costs, and potential settlements or judgments.
Commercial Property Insurance
Property insurance protects the physical assets your business depends on—and getting it right requires more than a basic policy. We ensure your coverage reflects your real exposures, …
Pollution Liability
Pollution liability insurance is specialized coverage that protects businesses from financial losses, cleanup costs, and legal liabilities arising from environmental damage, contamination, or pollution incidents, including bodily injury and property damage, which are typically excluded from standard general liability and property insurance policies. Types of Coverage includes sudden and accidental spills, as well as gradual, long-term contamination.
Inland Marine
Protecting property on the move. Inland Marine insurance is a specialized type of insurance coverage designed to protect movable property and assets that are transported over land or stored at various locations. Despite its name, this insurance coverage is not limited to marine-related risks but rather focuses on property that is in transit or at temporary locations.
Commercial Auto Insurance
Commercial Auto insurance provides coverage for vehicles used for business purposes. Whether you have a fleet of delivery trucks or rely on company cars, this insurance protects your vehicles against accidents, theft, damage, and liability claims arising from vehicle-related incidents.
Workers' Compensation Insurance
Workers’ Compensation insurance is a crucial coverage that protects your employees in case of work-related injuries or illnesses. It provides medical benefits, lost wage replacement, and rehabilitation support for your workers, while also shielding your business from potential lawsuits related to workplace injuries.
Employee Benefits
Employee demographics, provider networks, costs, plan participation are all taken into account when designing a group benefits plan that meets your business needs.
Health Plans
Medical –Self-funded plans
Medical –Fully-insured plans
Dental
Vision
Other employee benefits services:
ERISA reporting and ACA compliance.
Bilingual enrollment services.
International group medical.
Additional benefits
Group life insurance
Group disability
Accident
Hospital indemnity
Critical illness
Professional Liability (Errors and Omissions)
Professional Liability insurance, also known as Errors and Omissions (E&O) insurance, is particularly important for service-based businesses. It offers financial protection against claims of negligence, errors, or omissions made by your professional staff that result in financial losses for your clients. This coverage helps cover legal defense costs and potential settlements or judgments.