Insurance Products

Commercial Lines

Workers' Compensation
Insurance policy providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue their employer for the tort of negligence.
Commercial Auto (Liability & Physical Damage)
Commercial auto insurance is liability and physical damage protection for vehicles, such as cars, trucks and vans that are used for business. Commercial vehicles require a separate policy because they’re typically exposed to more risk than personal vehicles.
Commercial Auto (Physical Damage Only)
Physical damage insurance protects businesses from financial losses resulting from damage to autos they own or hire.
Commercial Auto Hard to Place
Commercial auto policy for difficult or unique risk types that are usually categorized as hard to place due to lack of experience, poor claim frequency/severity, prior cancellation/nonrenewal or lack of market availability. List of Business Types: * Extra Heavy Trucks * Fleets * Land Recreational Vehicles * Long Haul Tracking * Non Hired/Hired/Drive Other Car * Non-Owned Hired Auto * Rental and Leasing Vehicle Companies * Tow Trucks * Waste Garbage Carrier
Motor Truck Cargo
An inland marine form covering property in the course of transit, either by common carrier or by the insured’s owned vehicles.  Protects carriers from legal liability as a result of loss, theft or destruction of cargo in transit including loading and unloading.
Businessowners' Policy (BOP)
A BOP policy bundles property, liability and other coverages a business owner may need all under one package policy. It is usually sold at a lower premium than the cost of all the individual coverage is sold separately.
Commercial Package Policy
A package insurance policy that provides both liability and property coverage for businesses and other organizations. This policy has a range of coverages and limits, allowing a business additional flexibility in tailoring their coverage to its specific needs.
Bars & Taverns
Commercial Package Policy tailored for businesses in the hospitality industry such as hotels, motels, restaurants, bars, taverns, and nightclubs.
Offices
A package insurance policy that provides both liability and property coverage for businesses and other organizations. This policy has a range of coverages and limits, allowing a business additional flexibility in tailoring their coverage to its specific needs.
Restaurants & Cafes
Commercial Package Policy tailored for businesses in the hospitality industry such as hotels, motels, restaurants, bars, taverns, and nightclubs.
Retail
A package insurance policy that provides both liability and property coverage for businesses and other organizations. This policy has a range of coverages and limits, allowing a business additional flexibility in tailoring their coverage to its specific needs.
Shopping Centers
A package insurance policy that provides both liability and property coverage for businesses and other organizations. This policy has a range of coverages and limits, allowing a business additional flexibility in tailoring their coverage to its specific needs.
Lessor's Risk
Policy designed to provide liability and property protection for building owners who lease their building. Coverage is designed for owners of commercial property, such as warehouses, shopping centers, office space, apartment buildings and other building types.
General Liability
A standard insurance policy issued to business organizations to protect them against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations; and advertising and personal injury (PI) liability.
Excess Liability
A type of policy that provides limits that exceed the underlying liability policy.
Garage
Specialty insurance targeted to the automotive industry. Policy protects property damage and bodily injury resulting from operations of automobile dealerships, parking lots, parking garage operators, tow-truck operators, service stations, repair shops, and other automotive related businesses. Garagekeepers Legal Liability may be added to protect the customer’s vehicle when in the care, custody and control of the business owner. Dealers Open Lot may be added for franchise and non-franchise auto dealerships offering physical damage coverage for vehicles owned by the dealership. List of Business Types: * Non-Dealer * Used Car Dealer
Excess Dealers Open Lot
A type of policy that provides limits that exceed the underlying physical damage coverage for dealer owned vehicles being held in inventory for resale.
Excess Garagekeepers Legal Liability
A type of policy that provides limits in excess of the underlying Garagekeepers Legal Liability coverage. Designed for automotive service type risks, such as auto repair shops, paint and body shops, etc. It protects a customer's vehicle left in the business owners care, custody and control at a covered location for service.
For Hire Transportation
Business Auto policy for businesses transporting passengers for a fee. Most common types of For-Hire businesses are; Taxi Cabs, Black Sedans/Limousines, Airport Bus/Shuttle, Paratransit, School Buses and Rideshare companies. List of Business Types: * Airport Bus Service (9+ Passengers) * Airport Shuttle Service (Sedans, Mini-Vans, SUVs - No Full Size Vans) * Charter Bus * Limo/Black Car Service * Paratransit * School Buses * Taxi * Uber/Lyft
Cyber Liability
Cyber liability insurance covers financial losses that result from data breaches and other cyber events. Many policies include both first-party and third-party coverages. First-party coverages apply to losses sustained by your company directly. Third-party coverages apply to claims against your firm by people who have been injured as a result of your actions or failure to act.
Directors' & Officers' Liability (D&O)
A type of liability insurance covering directors and officers for claims made against them while serving on a board of directors and/or as an officer. D&O liability insurance can be written to cover the directors and officers of for-profit businesses, privately held firms, not-for-profit organizations, and educational institutions. In effect, the policies function as "management errors and omissions liability insurance," covering claims resulting from managerial decisions that have adverse financial consequences.
Fiduciary Liability
Protects businesses’ and employers’ assets against fiduciary related claims for mismanagement of a company’s employee benefit plans.
Employer Practices Liability Insurance
An Employment Practices Liability Policy provides coverage to employers against claims and lawsuits made by employees over wrongful termination, discrimination, workplace harassment, retaliation, the failure to employ or promote employees, and other such allegations.
Management Liability Solution including Crime
A package of different policies designed to protect a corporation and its directors and officers. Package includes; Directors and Officers (D&O) Liability insurance, Employment Practices Liability (EPL) insurance, Fiduciary Liability insurance, and Crime insurance. These coverages may also be written as stand-alone insurance policies.
Nonprofit D&O Liability
Nonprofit D&O Liability insurance helps cover the defense costs, settlements and judgements arising out of lawsuits and wrongful acts allegations brought against a nonprofit organization.
Nonprofit Organization
Specialty program providing targeted coverages such as General Liability, Commercial Auto, Umbrella, Directors & Officers and Sexual Abuse Liability just to name a few to ensure that all aspects of a nonprofit organization are covered to protect against risks that could leave these organization’s exposed while fulfilling the organization’s mission. 
Professional Liability
A type of liability coverage designed to protect traditional professionals (e.g., accountants, attorneys) and quasi-professionals (e.g., real estate brokers, consultants) against liability incurred as a result of errors and omissions in performing their professional services.
Lumber Specialty
Comprehensive package policy for businesses involved in the wood products industry. Coverage applies to distributors of building materials, hardware stores and the primary and secondary manufacturers of wood.
Builders Risk
Builders risk insurance, also referred to as course of construction insurance, is designed to protect and cover an individual’s or business’ insurable interest from loss and damage to materials, fixtures and equipment used or installed during new construction or remodeling (renovation) of a building or structure should those items sustain loss from a covered peril.
Contractor Equipment Floater
A form of property insurance covering loss or damage to equipment that is often moved from place to place.
Commercial Monoline Property
An insurance policy for businesses and other organizations that insures against damage to their buildings and contents due to a covered cause of loss.
Stock Throughput
A stock throughput policy provides all-risk coverage for goods worldwide whether in transit, storage or at a third party subcontractors, on a stock throughput basis.
Umbrella
Extra liability insurance coverage that goes beyond the limits of the insured’s underlying liability policy. It provides an additional layer of security to those who are at risk for being sued for damages to other’s property or bodily injury to others in an accident.
Financial Institutions
This program is tailored for small to mid-sized financial institutions. Comprehensive coverage specifically tailored to meet the needs of small to mid-sized financial institutions.
Aviation
Businesses that elect to use private aircraft in their operations must purchase specialty insurance to cover their aircraft liability loss exposure: aircraft liability coverage or stand-alone non-owned aircraft liability and perhaps excess aircraft liability coverage as well. Coverage for third-party aircraft liability is often provided, which also includes hull (physical damage) and medical payments coverages. Aircraft policies are not standardized and vary widely. Some insurers offer policies that combine aircraft liability and hull with other aviation coverages, such as aircraft products liability, airport liability, land-based general liability, and hangar keepers liability coverage.
Lawyers Professional Liability
A type of liability coverage designed to protect attorneys against liability incurred as a result of errors and omissions in performing their professional duties.
Personal Umbrella
Type of insurance designed to add extra liability coverage over and above another insurance policy, such as auto or homeowners insurance.

Personal Lines

Apartments
A package insurance policy that provides both liability and property coverage for businesses and other organizations. This policy has a range of coverages and limits, allowing a business additional flexibility in tailoring their coverage to its specific needs.
Hurricane Protection Plan
Residential: A residential hurricane protection plan, providing coverage against named hurricanes for homeowners, mobile homes, renters, condo owners, vacant, seasonal and corporately owned dwellings.  Available limits from $1,000 to $60,000.  Pays for losses not normally covered by a homeowners policy such as; trees and debris removal, swimming pool damage, boat docks, detached property, evacuation expenses, power restoration, losses below the deductible, and all other hurricane related expenses.  Coverage may be purchased by individuals with an existing homeowner’s policy or by those uninsured. Commerical: A commercial hurricane protection plan, providing coverage against named hurricanes for commercial properties. Available limits from $1,000 to $60,000. Covers expenses incurred for: hurricane preparation, evacuation, sign damage, landscaping, power surge, power outages, business property damage, vandalism, debris removal, food spoilage, tree damage, detached structures, generator and fuel expenses, in addition to all other hurricane related expenses, including interruptions of business, loss of income, business relocation, power restoration, employee and contractors costs, etc.
Dwelling
Insurance policy suited for rental properties or non-owner occupied homes.
Homeowners
Form of property insurance covering losses and damages to an owner-occupied home and to the personal property of the insured. It also provides liability coverage against accidents in the home or on the property.
Flood
Insurance policy providing coverage to a dwelling for losses sustained by water damage, as it specifically relates to flooding. Flood is available for residential dwellings as well as commercial buildings.
Animal Liability
Most homeowners insurance policies limit animal-related insurance coverage, restrict certain animals or exclude animal liability coverage altogether. Animal liability insurance covers bodily injury or property damage your pets cause others who are not residents of your home. Provides coverage for medical expenses related to the injuries and legal costs if you are sued.
Yacht Insurance
Boat insurance for personal watercraft, yachts and wet charters. Provides worldwide coverage for Hull and Machinery, Personal Property, and Liability coverage in addition to customizable coverages and deductible options.