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Running
a small business presents many financial risks. As a small business
owner, you try to minimize the financial risks your business faces.
To protect yourself from an unexpected loss that could seriously harm your business or
even force it to close, we offer specific programs that are
tailored to your needs and line of business.
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General and Professional Liability |
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In a litigious society
characterized by multi-million-dollar judgments, it pays to insure your
business against the extraordinary costs of legal defense, as well as the
ultimate judgment. We can provide coverage for your premises, for product
or professional liability. Also completed operations coverage for
contractors. Plus Primary or Excess Catastrophic Umbrella coverage with
high limits of protection for large businesses. |
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Business Auto |
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If your business depends
on rolling stock such as passenger autos, delivery trucks, tractor
trailers, we can provide auto liability coverage with high limits. Also
physical damage coverage. We can protect your transport inventory from one
vehicle to large fleets with out of state exposures. |
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Workers Compensation |
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Almost
every state requires by law that employers carry some form of workers
compensation insurance that pays benefits to your employees if they are injured while on
the job. Specifically, it covers their medical bills, a portion of
lost wages, vocational rehabilitation and death benefits. |
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Group Health & Life |
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One way to keep good
employee is a benefits package keyed to today's high cost of delivering
health care. We offer traditional indemnity plans, self-funded plans,
Preferred Providers (P.P.O.s), Health Maintenance Organizations (H.M.O.s).
In addition, we can blend group life insurance with disability, dental,
medical prescriptions and vision care. Simply complete a census sheet on
your employee roster, and we will be pleased to present you with a
specific proposal. |
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Property |
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Complete property coverage is an absolute
must. We offer a wide range of coverages against fire, theft, windstorm,
flood lost of income through business interruption Primary or Excess
protection from either U.S. firms or foreign companies such as Lloyds of
London. Loss control and engineering services are available. Plus discount
incentives to reward safety measures including sprinklers, fire and
burglar alarms, and superior construction. |
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Bonds |
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Performance bonds for
contractors. Fidelity bonds for banks, credit unions, stock brokerage
firms for losses due to employee dishonesty. Miscellaneous court and
commercial bonds. A broad range of products to accommodate specific
situations. |
