Business Liability Insurance

After all the time you've put into the growth of your business you want to make sure it's protected from unexpected loss. Our commercial lines department includes a wide range of products and services for our clients and offers businesses the best protection available at competitive prices. Commercial insurance protection includes a variety of coverage options:

Buildings and Business Personal Property - provides coverage for direct physical loss of, or damage to, the insured property that is either caused by or results from a covered cause of loss (perils such as fire, lightning, etc., against which the protection is provided).

Commercial Auto - provides coverage for a variety of commercial motor vehicles under one policy for legal liability, physical damage, medical payments, and uninsured/underinsured motorists.

Commercial Crime - provides coverage for a number of risks such as employee dishonesty; forgery or alteration; theft, disappearance and destruction; robbery and safe burglary; premises burglary; computer fraud; extortion; premises theft and robbery outside premises; and safe depository liability.

Boiler and Machinery - provides coverage for losses arising form the malfunction of boilers and pressure, mechanical and electrical equipment and machinery.

Business Income and Extra Expense - provides coverage for loss of business income that results when a business must shut down after damage or destruction due to a covered cause of loss.

Inland Marine - provides coverage for cargo and shipments that do not involve ocean transport. This class of coverage also includes means of transportation and communication and commercial floaters (items such as equipment or tools that may not remain at a single location).

Worker's Compensation - provides benefits to a worker or to the worker’s dependents for injury, disability or disease contracted by the worker in the course of employment.

Umbrella Coverage - provides liability coverage over and above the underlying limits available under basic policies. These coverage options are available individually or as combination policies such as the Business Owner's Policy (BOP) and the General Liability Package policy. These policies, which combine liability, property, and other insurance into one package usually give more comprehensive coverage that would be available under separate, individual policies. There are special programs with pricing and coverage tailored to special commercial sectors such as farms, artisans, contractors, wholesalers, machine shops, retail, offices, light manufacturing, restaurants, florists, auto repair garages, condominiums and many other types of businesses. Coverage for special types of risk, such as athletic associations, fairs, and social events, is also available. We can inspect your business premises to establish values and do a thorough review of your business operations in order to analyze your insurance exposures. Loss prevention and risk management can also be provided.