Our Policies
Liability Insurance
General Liability
Workers Compensation
Commercial Auto
Excess/Umbrella Liability
Employment Practices Liability (EPLI)
Directors & Officers (D&O)
Cyber Liability / Data Breach Coverage
Surety Bonds
Sales Tax Bonds
License & Permit Bonds
Performance Bonds
Payment Bonds
Bid Bonds
Property Insurance
Commercial Building Insurance
Tenant Improvements Coverage
Business Personal Property
Business Interruption Insurance
Builder’s Risk Insurance
Equipment Insurance / Inland Marine
Liability Insurance
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What is General Liability Insurance?
General liability insurance protects your business from third-party claims of bodily injury, property damage, or personal injury. It’s essential for any business that interacts with clients, customers, or the public—whether at your location or theirs.
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What is Workers Compensation Insurance?
Workers compensation covers medical bills, lost wages, and rehabilitation costs for employees who get injured or sick due to work. It also protects your business from lawsuits related to workplace injuries. Required in most states, it’s a legal and ethical must-have.
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What is Commercial Auto Insurance?
Commercial Auto insurance covers vehicles used for business purposes, including cars, vans, and trucks. It provides liability coverage, collision, comprehensive, and more—keeping your operations on the road and protected.
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What is Excess / Umbrella Liability Insurance?
Umbrella liability extends your existing policy limits for large lawsuits or catastrophic claims. It adds an extra layer of protection beyond general liability, auto, or other liability policies, often at a low cost per dollar of coverage.
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What is Employment Practices Liability Insurance (EPLI)?
EPLI covers claims made by employees (or former employees) related to harassment, discrimination, wrongful termination, and other HR-related issues. It protects both your business and leadership team from costly legal battles.
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What is Directors & Officers (D&O) Insurance?
D&O insurance protects company leaders from claims involving mismanagement, breach of duty, or wrongful acts in their role as decision-makers. It’s essential for boards, nonprofits, and growing businesses.
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What is Cyber Liability / Data Breach Insurance?
Cyber insurance covers costs related to data breaches, ransomware, cyberattacks, and regulatory fines. It helps recover lost income, cover legal fees, and notify affected parties after an incident.
Property Insurance
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What is Commercial Building Insurance?
Commercial property insurance protects your owned or leased buildings from damage due to fire, storms, vandalism, loss of rent, and more. It’s foundational coverage for property owners.
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What is Tenant Improvements Coverage?
This policy protects permanent improvements or build-outs you’ve made to a leased commercial space like walls, flooring, or fixtures. Often overlooked, it’s key for tenants who’ve invested in customizing their space.
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What is Business Personal Property Insurance?
This policy covers items like inventory, equipment, tools, furniture, and office supplies inside your business. Whether you’re a restaurant or contractor, it protects the things that help you operate daily.
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What is Business Interruption Insurance?
Also known as Business Income Insurance, this policy replaces lost revenue if you’re forced to temporarily shut down due to a covered loss—like a fire or power outage. It helps keep payroll, rent, and bills paid while you recover.
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What is Builder’s Risk Insurance?
Builder’s risk insurance covers construction projects during the build phase. It includes protection for materials, tools, and the partially completed structure against theft, fire, or weather damage.
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What is Equipment Insurance / Inland Marine?
This flexible policy protects tools, equipment, and mobile property that travels between job sites. Ideal for contractors, service companies, and anyone relying on mobile assets.
Surety Bonds
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What is a Sales Tax Bond?
A sales tax bond ensures your business complies with state or local sales tax regulations. It’s often required by tax authorities before issuing a license or permit.
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What is a License & Permit Bond?
Also known as compliance bonds, these are required by government agencies to ensure your business operates according to licensing laws and industry standards.
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What is a Performance Bond?
Performance bonds guarantee that contracted work will be completed according to the agreed terms. Often required in construction, they offer financial assurance to the project owner.
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What is a Payment Bond?
This bond ensures that contractors pay subcontractors, laborers, and suppliers on a project. It’s often paired with performance bonds and protects everyone involved.
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What is a Bid Bond?
A bid bond guarantees that a contractor will honor their bid and provide performance/payment bonds if awarded the contract. It builds trust during the proposal phase of a project.