If you are looking for insurance coverage to handle the specific needs for your industry, I offer a full selection of services for businesses such as:

Below is a listing of serveral types of insurance coverages that may be important to your business regardless of the industry you are in. If after reviewing this information you have any additional questions about your needs, please contact me.

COMMERCIAL GENERAL LIABILITY - General Liability & Property coverage is the most basic type of commercial insurance and is limited to liability claims of bodily injury or property damage. Coverage is provided for accidents on your premises or at your customers location.

WORKERS COMPENSATION - Workers Compensation Insurance is required by regulation in most states when you have W2 employees. It provides medical and disability coverage for on-the-job injuries or work related illness. In many states principals such as owners, officers and partners can exclude themselves from workers compensation coverage. Your workers compensation policy also covers Employers Liability coverage that protects the company in the event that an employee alleges that the employers negligence or failure to provide a safe workplace was the cause of the employee's inury or illness.

COMMERCIAL AUTO COVERAGE - Covers your business vehicles for liability & physical damage coverages. This coverages protects you, your employees and your business. This coverage protects you in case a third party claims that you or an employee are legally liable for an accident while driving a company vehicle. Physical damage coverage fixes your vehicle in an accident.

UMBRELLA LIABILITY / EXCESS - Umbrella Liability (Excess Liability) provides additional coverage when the limits of insurance on an underlying policy are exceeded. Your umbrella coverage, covers up and above your base limits on your General Liability, Commercial Auto and Workers Compensation limits. The umbrella policy, however, does not apply to your Professional Liability policy.

DIRECTORS AND OFFICERS LIABILITY - The large exposure facing the Directors & Officers of a closely-held corporation in their role as corporate managers may well exceed the assets of their Company. For virtually any corporation, the cost of definding suits against its Directors and Officers can prove catastrophic. D&O Liability Insurance is designed to help protect both the assets of the company and the personal assets of these individuals. D&O liability insurance helps protect the Directors and Officers of the Company against alleged claims of employees.

EMPLOYMENT PRACTICES LIABILITY INSURANCE - Provides protection for an employer against claims made by employees, former employees, or potential employees. It covers discrimination, wrongful termination of employment, sexual harassment, and other employment-related allegations. It covers your firm, including Directors and Officers.

No matter what size your company, I can provide you with the Insurance Products needed to protect your company, employees and help meet contract requirements.

For any questions you might have, please do not hesitate to contact me. Thank you for your interest in my services.