Lines of Coverage

Bonds

A surety bond is a contract among three parties: The obligee is the party who is the recipient of an obligation, ie: a project owner. The principal is the primary party who will be performing the contractual obligation, ie: a contractor. The surety – guarantees the obligee that the principal can perform the task

Builders’ Risk

Business Auto

Commercial auto insurance is made up of several parts. An explanation of the most common coverage parts are listed below:

Business Property

Commercial property insurance assists businesses pay to replace or repair buildings or other property destroyed or damaged due to perils such as fire, storm, or other things covered by your policy. It also pays to replace stolen or lost property. Business owners may buy commercial property insurance regardless of whether they own, rent, or lease a building. If your business has operations at multiple locations, you may purchase one property policy to cover all business locations.

Contractors Equipment

Whether you are a Developer, General Contractor or an Artisan Subcontractor specializing in a trade, we can help you.

General Liability

We’ve all heard it, “if you’re starting a business or already in business you need general liability insurance.” But what does that mean and what protection does it provide? Unfortunately we live in a litigious society and although you may think it is unlikely ‘you’ would be faced with a claim, the investment of insurance may save you thousands if not millions if you were to try to defend yourself in court without insurance.

Lessors’ Risk

Professional Liability including Directors & Officers, Errors & Omissions

Professional liability insurance (PLI) but more commonly known as Errors & Omissions (E&O) in the US, is a form of liability insurance that helps protect professional advice and service providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client and damages awarded in such a civil lawsuit.

Umbrella – Excess

A Business Umbrella policy adds another layer of protection to any of several other policies that you might carry, including General Liability, Employer’s Liability, Auto Liability and Hired and Non-owned Auto Liability policies

Workers’ Compensation

Businesses with employees are required to carry workers’ compensation insurance coverage. There are strict fines for employers who have employees working without Workers’ Compensation coverage.