Property & Casualty

Property Insurance

Insurance that is used to cover any type of commercial property. Commercial property insurance protects commercial property from such perils as fire, theft and natural disaster. This type of insurance is carried by a variety of businesses, including manufacturers, retailers, service-oriented businesses and not-for-profit organizations.

Liability Insurance

This type of Insurance provides protection from claims arising from injuries or damage to other people or property.

Auto Insurance

Auto Insurance provides protection from losses resulting from owning and operating an auto. The insurance covers losses to the insured’s property and losses for which the insured is liable as a result of owning or operating an auto.

Professional Liability Insurance

Insurance is sign protect professionals such as accountants, lawyers and physicians against negligence and other claims initiated by their clients. It is required by professionals who have expertise in a specific area because general liability insurance policies do not offer protection against claims arising out of business or professional practices such as negligence, malpractice or misrepresentation. Directors and Officers (D&O) liability insurance Insures corporate directors and officers against claims, most often by stockholders and employees, alleging financial loss arising from mismanagement.

Umbrella Insurance

Provides high limits of additional liability coverage above the limits of your homeowners and auto policy. In addition, it provides coverage that may be excluded by other liability policies.

Bonds

A surety bond or surety is a promise to pay one party (the oblige) a certain amount if a second party (the principal) fails to meet some obligation, such as fulfilling the terms of a contract. The surety bond protects the oblige against losses resulting from the principal’s failure to meet the obligation.

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