Auto
Your business is going places, and your business vehicles help
get you there. While you stay focused on where you're going,
let us focus on any auto-related risks that may lie in the way. We
also like to focus on helping you be safety-conscious and rewarding
you for your careful ways with top-quality coverage and
service.
Crime
Burglary, forgery, employee dishonesty. Truth is, bad things
happen to good businesses-of all sizes. Big or small, what we do is
look at your business' particulars. Then we fit you with coverage
that would protect you against what could befall you. That's right.
We fit you. Not the business next door, not even a similar business
down the street. You.
General Liability
Slips and falls, product defects, operational snafus. Anything
can happen-on-premises or off-premises. Because we can see where
you want your business to go, we can also see where you don't want
it to go. Whether you own a motel or run a contracting firm, if
your business finds itself potentially liable, we'll make sure
you're prepared.
Commercial Inland Marine
As any cargo company knows, inland marine insurance has almost
nothing to do with the ocean and everything to do with transported
goods. That's why we work with land-based shipping and storage
businesses to cover moveable merchandise from fine art to
theatrical property to physicians' and surgeons' equipment. We also
offer protection for computer systems and valuable papers (among
other things), covering you where your business stays stationary,
too.
Workers' Compensation
One key to workers' compensation coverage is to avoid workers'
compensation claims. So when you take out a policy with us,
you get e-learning
resources to improve your safety programs and reduce
injuries. We also provide roadmaps for return-to-work programs and,
because we take a close look at your business' needs, we can size a
plan to work for you. Another key: fast claims
processing. You get that, too.
Commercial Property and Business Income
Let us play devil's advocate. Say something goes wrong-perhaps
Mother Nature is to blame-and your operations are interrupted for a
little while. We can help cover lost income and losses sustained
while your operations are down. We can even advance you funds to
help you get back on your feet. And, although we're nationwide,
we're also local, which means, A) we're probably familiar with your
business* and, B) we can react fast to help you reopen fast.
*If your business is big, our Asset Coverage protection provides
more than 40 additional coverages or coverage extensions for large
property risks.
Commercial Package
Certain risks are just inherent to certain businesses. For
example, food-borne illnesses are to restaurants what damaged
greens are to golf courses. Because we are experts with those types
of risks, we offer coverage extension packages for-and this is just
a partial list-contractors, food processors, wholesale
distributors, metalworkers, wineries and, yes, restaurants and
public golf courses.
Commercial Umbrella Liability
We hate to sound mushy, but we'll catch you if you fall. When
your underlying policy is exhausted or there's no policy to cover
whatever your liability happens to be, our commercial umbrella
coverage provides a safety net for your business. Another way we're
there for you: Rather than making you wait for us to reimburse you,
we can pay for the loss upfront.
Farm
Farming: From sea to shining sea. Our coverage is just that
broad and our expertise just that deep to cover everything in
between-from huge commercial agri operations and orchards to
vineyards and small gentleman farms. Or, if you handle just one
piece of the bigger agricultural puzzle, like harvesting or
processing or storing, we can cover you, too. Some other things we
cover: horse and cattle operations, spoilage, farm residential and
personal property and, of course, farm-related structures and
machinery.
**coverage subject to availability
