PERSONAL INSURANCE

Coverage when you need it
Builder’s Risk provides coverage for a building, tools & materials when under the course of construction or renovation. This policy will provide protection from perils such as fire, wind, theft and vandalism. The policy is designed to provide coverage when you need it and will terminate when construction or renovations are complete, and the building is ready for occupancy.

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On the Move? We’ve got you covered
This coverage broadly refers to property including equipment and tools that are frequently in transit to and from various locations or jobsites. With the right coverage for your equipment, tools we can help you replace missing and damaged property and get you back in business. We even cover your tools and equipment while being transported
from one location to another. Common examples are contractor’s tools that are transported to various jobsites during the day or Dry Cleaners that offer pickup and drop off services for customer’s clothes.

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Lessor’s Risk Only Insurance policies are specifically designed for building owners including: apartment buildings, strip malls & retail shopping centers, warehouses, commercial office space and many others. This insurance will provide necessary protection for your building, and liability coverage to cover you from injury-related and other claims brought on by your tenants and/or their customers by paying for settlements and other expenses accrued during a lawsuit. If you’re a landlord, Call us today to find out how we can help protect your investment

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This coverage generally refers to liability for professionals such as attorneys, accountants, real estate brokers, architects or engineers who provide document preparation, analysis or consulting services. An error or omission on the professional’s part can result in financial or physical damage. Common examples are an accountant
who makes an error on a tax return resulting in a tax penalty or an architect who draws faulty plans resulting in a construction defect.

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A commercial bond is usually required by federal, state, or local government agencies in order for a business owner to obtain various licenses and/or permits required to operate their business. The bond protects the general public that may interact with the business owner. Common examples are a Used Vehicle Dealership that must file a Dealer Bond with the DMV or a General Contractor that must file a License Bond with the Contractor’s State License Board.

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What’s a million dollars worth?
These days if you are liable for damage, especially bodily injury, you can expect a large lawsuit and claim against you and your business. If you’re underlying general liability coverage is not enough to cover a large claim, for example in the event of extensive damage or even death resulting from your work, a commercial umbrella policy will help to protect you and keep you in business!
Most contracts also require anywhere from 2 to 5 million dollars of liability insurance, and to reach the specified limits of coverage, a commercial umbrella / excess liability policy is required.
We can help keep you in business or on the jobsite with the right catastrophe coverage.

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