We offer insurance packages that are tailored for different types of businesses. Whether it is insurance for your building, business property, equipment, inventory or company vehicles, we offer products and services to protect your business. In addition, we offer group health and retirement plans.

Property Insurance
Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.

Property Insuarnce may cover two types of property losses:

• Direct losses may be covered when property is lost, stolen, damaged or destroyed.
• Indirect or consequential losses related to direct losses may also be covered.

Commercial General Liability Insurance
Casualty Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.

Policies provide coverage for liability arising out of:

• Premises and Operation
• Fire Damage Liability (damage by fire to premises rented to insured)
• Personal and Advertising Injury
• Medical Payments
• Products/Completed Operations

You may want to consider a Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy and which can help you save time and money on your total insurance program. And since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.


Business Auto Insurance
Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semi trailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverages and deductibles and about tailoring a Business Auto plan that's right for you and your business.


Workers Compensation
Workers' Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.

Workers' Compensation provides for the payment of four types of benefits:

• Medical Benefits
• Income Benefits
• Death Benefits
• Rehabilitation Benefits

A representative can provide you with complete details on Workers' Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.


Garage Programs / Commercial & Public Auto

Very Competitive Rates - $0 Deductibles Available

A- & A++ Rated Carriers - Admitted & Non-admitted

Minimum Premiums as Low as $250.00 and $550.00

• Mobile Automobile Detailing
• Mobile Auto Service
• Shopping Centers
• Special Events
• Motels
• Apartments
• Inland Marine
• Restaurant/Bar/Tavers w/Liquor Liability
• Amusement Centers
• Amusement Devices
• Bakeries
• Car Washes
• Florists
• Furniture Stores
• Gasoline Stations
• Grocery Stores
• Laundries & Dry Cleaning Service
• Lawn Mowing, Edging and Trimming
• Nightclubs
• Supermarkets
• Vacant Buildings
• Vacant Land

Commercial Trucks & Truckers Insurance

• Contractors - LIght Dumps, Boom and Baskets Trucks
• Food Delivery
• Specialized Delivery
• Courier Service Trucks
• Waste Oil Transporters
• Waste Disposal - Physical Damage Only
• Salvage Haulers
• Farm Vehicles
• Cement Mixers
• Dump Trucks - For Hire, Not for Hire & Municipally Owned
• Coal Haulers
• Lawn & Tree Service Trucks - Includes Landscapers and Sod Layers
• Moving Operations
• Tow Trucks - Full-time or Incidental Use
• Mobile Concession Trucks
• Catering Vehicles
• Wholesale & Manufacturing Trucks
• And Many More...

Public Auto

• Taxicabs
• Kiddie Transportation
• Limousines
• Church Buses
• Sightseeing Buses
• Van Pools
• Day Care Center Autos
• Social Services Agency Autos
• Courtesy Autos
• And Many, Many More...

Garage Liability

• Used Car Dealers
• Motorcycle Dealers
• Repair Shops
• Mobile Detail
• Mobile Auto Repair
• Glass Installation
• Mobile Home, RV & Trailer Dealers
• Detail Shops
• Valet Parking
• Stereo Installation
• Brake Shops
• Window Tinting
• Air Conditioning Shops
• And Many, Many More...

Commercial Private Passenger & Special Types

• Escort Vehicles
• Security Patrol
• Driver Training Autos
• Pizza Delivery - Non-owned Auto Coverage
• Commercial Rental - Vans, Light Trucks & Moving Vans
• Private Passenger Rentals
• And Many, Many More...

Click Her for Frequently Asked Questions regarding this type of insurance.

Click Her for a glossary of insurance terms.

Contact us today for more information on our Commercial Insurance.