Insurance Products in New Mexico

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 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.

Physical damage insurance protects businesses from financial losses resulting from damage to autos they own or hire.

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

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.

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.

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.

A type of policy that provides limits that exceed the underlying physical damage coverage for dealer owned vehicles being held in inventory for resale.

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.

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.

An insurance policy for businesses and other organizations that insures against damage to their buildings and contents due to a covered cause of loss.

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.

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.