COVERAGES WE OFFER

Auto insurance provides financial protection against physical damage and bodily injury resulting from traffic collisions, theft, vandalism, and other unforeseen events involving your vehicle. It also covers liability for damages you may cause to other drivers, passengers, and property.

Business Auto Insurance covers vehicles used for business purposes. It provides liability, collision, and comprehensive coverage for cars, trucks, vans, or other vehicles owned or leased by your business, protecting your company from financial loss due to accidents or damage.​

​Commercial Property Insurance protects your business's physical assets, including buildings, equipment, inventory, and furniture, against risks such as fire, theft, vandalism, and natural disasters. It ensures that your business can recover quickly from unexpected property damage.

Condominium Association Insurance, also known as "Master Policy," covers the common areas and shared property of a condominium complex. It protects against property damage, liability claims, and other risks affecting the association, ensuring the entire community is safeguarded.

Crime Coverage protects businesses from financial losses due to criminal activities, including theft, burglary, employee dishonesty, fraud, forgery, and embezzlement. It provides coverage for both internal and external threats to your business.

Directors & Officers (D&O) Insurance provides liability protection for the directors and officers of a company or organization. It covers legal costs and damages arising from lawsuits alleging wrongful acts, mismanagement, or breach of fiduciary duty.

​Cyber Liability Insurance protects your business against the financial losses associated with cyberattacks, data breaches, and other technology-related risks. Coverage includes legal fees, notification costs, credit monitoring, and more, helping you recover from the impact of a cyber incident.

Employment Practices Liability Insurance (EPLI) covers businesses against claims made by employees alleging discrimination, harassment, wrongful termination, and other employment-related issues. It provides coverage for legal defense costs and potential settlements or judgments.

Errors & Omissions (E&O) Insurance, also known as Professional Liability Insurance, protects professionals against claims of negligence, errors, or omissions in the services they provide. It covers legal defense costs and damages if you're sued for failing to meet a client's expectations.

Flood Insurance provides coverage for damage to your property caused by flooding, a risk typically not covered by standard property insurance. Excess Flood Insurance offers additional coverage beyond the limits of a standard flood insurance policy, protecting against more significant flood damage.

Garage Liability Insurance provides coverage for businesses that operate garages, dealerships, or repair shops. It covers bodily injury and property damage resulting from operations, including accidents involving customers' vehicles while in your care.

General Liability Insurance protects your business against claims of bodily injury, property damage, and personal injury that occur on your premises or as a result of your operations. It covers legal fees, medical expenses, and potential settlements or judgments.

Hired/Non-Owned Vehicle Liability Insurance provides coverage for vehicles that your business uses but does not own, such as rental cars or employees' personal vehicles used for business purposes. It covers liability for accidents that occur while using these vehicles for work.

Liquor Liability Insurance provides coverage for businesses that sell, serve, or distribute alcohol. It protects against claims of injury or damage caused by an intoxicated person who was served alcohol by your business, including legal fees and potential settlements.

Restaurant Insurance is a specialized package that combines various coverages tailored to the unique risks faced by restaurants, including general liability, property insurance, liquor liability, food spoilage, and workers' compensation. It ensures comprehensive protection for your restaurant business.

Umbrella/Excess Liability Insurance provides additional liability coverage beyond the limits of your standard liability policies, such as general liability, auto liability, or employers' liability. It offers an extra layer of protection against large claims that could exceed your existing policy limits.

Workers' Compensation Insurance provides coverage for employees who suffer work-related injuries or illnesses. It covers medical expenses, lost wages, rehabilitation costs, and death benefits, ensuring that both the employer and employees are protected in the event of a workplace incident.