Business Owners Policy (BOP): Combine some of the basic coverages needed by a typical small business into a standard package at a premium that is generally less than would be required to purchase these coverages separately.
General Liability: Provides for separate limits of coverage for general liability, fire, legal liability, products and completed operations liability, advertising and personal liability, and medical payments.
Business Auto: Delivery vans, refrigerated vehicles, tractor-trailers, utility trucks and private passenger vehicles used in many types of businesses.
Worker's Compensation: Employers pay for Workers’ Compensation insurance to ensure that in the event of an injury sustained while on the job their employees will be able to fully recover without the stress of losing their income.
Commercial Umbrella: Also known as excess liability insurance, provides additional protection when your business exceeds insurance limits on an underlying policy.
Professional Liability - (Also called E & O Insurance) This protects professional practitioners such as Architects, quantity surveyors, home
inspectors, Lawyers, physicians, and Accountants against potential negligence claims made by their patients/clients.
Liquor Liability: Business insurance that protects your business against loss or damages claimed as a result of a patron of your business becoming intoxicated and injuring themselves or others.
Special Event- Liability insurance for Weddings, Parades, Community Fairs etc..
Farm and Equine- Commercial equine liability coverage is very important if you perform any commercial equestrian activities such as boarding horses, riding instruction, horse training, breeding, horse sales, etc. Our Farm Insurance Program includes property coverages that protect your dwelling and household personal property, farm personal property, plus barns, stables, silos and other structures.
Bonds- In simplest terms, a surety bond is a guarantee; what the bond specifically guarantees depends on the language of the bond. Surety bonding is a form of credit, not insurance.