Other Coverages

Commercial Automobile

Do you have private passenger vehicles, trucks or vans in your business? If so you have one of these in place. Check your liability limits for sure. You may have numbers like 1,2,3,4,5, etc. listed on your policy do you know what these mean? Do you have coverage for vehicles that you do not own? If you are the owner and have all your personal vehicles insured by this policy are you covered for personal use of non-owned vehicles? This policy is common and sometimes ignored because it is viewed as a commodity item.

Inland Marine & Ocean Marine(Cargo)

If you ship your goods or have other property that is moving around these are the coverages for you. Relying on a common carrier to cover your loss? That is certainly a way to handle it but do you know what is covered and how the process works if you have to file a claim? These policies can give you more control.

Workers Compensation

If you have employees you know all about this coverage. Be sure your payrolls are accurate and review your loss information to be sure claims are being closed and reserved in an appropriate manner.

Employment Practices Liability (EPLI)

Discrimination, wrongful termination, sexual harassment and the like are covered by this policy because they are excluded in Employers Liability coverage.

Directors & Officers

Public companies and Non Profit organizations are very familiar with this coverage but it also has its place in private corporations as well. If you have a Board of Directors reviewing management decisions this coverage if for you.

Surety Bonds

Bonds are not really insurance policies. Bonds are financial guarantees. Bonds are required to secure purchases, contracts and taxes. Financial information is critical to securing a bond. The better your financials the better your chances are of securing a bond.

Crime Coverage

Crime cover constitutes a number of different types of policies. Depending on your exposure we would help you select the appropriate items. Employee Dishonesty is a coverage that should be in place for all businesses. For businesses with significant cash exposure Money and Securities coverage would be appropriate. Other coverages included Forgery, Alteration, Computer Fraud, Funds Transfer and Counterfeit currency.