Commercial Insurance

While our focus is on the Trucking and Transportation Industries we offer insurance packages that are tailored for many related businesses such as Excavation Contractors, Loggers & Landclearing, Warehousemen, and Riggers, among others. Whether it is insurance for your building, business property, inventory, company vehicles or tools & equipment, we offer products and services to protect your business.

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, spare parts, tools, and other physical items.

Property Insurance 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 ( slips or falls by visitors ) and Operations ( employee acts, using a forklift )
• 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 Package Policy which combines your Liability, Property and other types of coverage into one 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.

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 ( including Employer's Liability and Other States' Insurance ) and recommend cost-effective ways to control expenses through safety engineering and claim services.

Umbrella / Excess Liability

Umbrella / Excess Liability coverage provides protection against catastrophic liability claims. This policy acts as excess coverage over your primary liability policies. Its limits apply in addition to that provided by the underlying coverage.

Umbrella provides excess coverage over:

• Auto Liability
• General Liability
• Workers Compensation ( Employer's Liability )

Contact us today for more information about Commercial Insurance or fill out our online quote form.

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