BUSINESS AND COMMERCIAL LINES INSURANCE COVERAGE:

• GENERAL LIABILITY INSURANCE: Coverage to protect businesses from injury or damage to other persons or property including personal injury, defamation, libel, slander etc.
• BUSINESS OWNERS POLICIES: Complete package policies with general  liability, property and professional components included
• WORKERS' COMPENSATION INSURANCE: Providing coverage for your employees in case of work place injuries while protecting you from possible lawsuits as an employer.
• REAL AND PERSONAL PROPERTY: Coverage for structural losses and the loss of property associated with your business. Includes additional expenses and temporary rental space for your business while restoration or relocation takes place.
• EMPLOYERS PRACTICES LIABILITY: Professional Insurance coverage against claims from employees of wrongful termination, discrimination and more.
• COMMERCIAL VEHICLE: Covers liability, property losses and more while operating company vehicle or on behalf of your business
• PROFESSIONAL LIABILITY: Coverage for Malpractice, Errors and Omissions, Director sand Officers and other specialized professional liability hazards.
• COMMERCIAL UMBRELLA / EXCESS: Coverage increases liability limits  across several liability policies such as commercial general liability, umbrella and professional liability.
• BONDS: Bonds are a  contract in which one party, the surety, guarantees the performance or honesty of a second party, the principal (Principal), to the third party (obligee) to whom the performance or debt is owed.  We represent many Bond carriers and write all lines of bonds including: Fidelity, Contractors License, Surety, Payment and Performance, Financial Guarantee, Court, Tax Prepares, Auto Dealership, Lost Instrument(Document)

 PERSONAL LINES INSURANCE:

• Automobile - All types of personal automobile insurance, including snowmobiles, motorcycles, RV’s, Classic Cars, Antiques and Restorations etc. We cover all drivers regardless of driving history or driving experience.
• Homeowner, Dwelling & Renters Insurance - Including primary residences, secondary and seasonal homes, apartments, condominiums, and cooperatives. Coverage for your structure, personal property items, cost of temporary housing in the event of a claim, and specialty items such as firearms and high value jewelry.
• Personal Umbrellas - We offer liability limits over and above your primary general, automobile or watercraft liability policies in order to properly protect your personal assets.
• Watercraft - Insurance coverage is available for all types of watercraft from canoes and rowboats, to motor boats, sailboats and yachts. We also have special programs for jet-skis and other types of recreational watercraft.

ADDITIONAL SERVICES OFFERED:

For our valuable clients we have networked alliances and relationships with the following service providers:

• Legal representation for everything from employee and ICE related issues, claims representation, contracts and corporate infrastructure and more.
• Life insurance representatives with an assortment of valuable plans including key man and group programs
• Group or personal Health Insurance Programs including AFLAC
• Risk management, loss control/ prevention, safety managers and training organizations, OSHA Specialists etc.
• Accountants, bookkeepers, CPA's and financial planners.
• Investment counselors and brokers specializing in IRA's and a multitude of investment and retirement vehicles.
• Real Estate specialists
• Premium financing for insurance as well as other business necessities
• Building and Property Appraisers for tax or finance purposes
• Security agency for your retail organization, skip tracers for delinquent clients and executive protection.