BOPs, BAPs, CPPs, CAPs, not to mention CGL, AI, WOS, and EMR. Are you tired of the terms and techno-speak? Give us a call for an insurance evaluation that isn’t masked by jargon that even some seasoned professionals can’t explain. The links below provide quick definitions of commonly requested commercial insurance products.

Workers’ Compensation:

Workers’ Compensation provides statutory benefits for medical expenses and lost income to an employee due to a job-related injury or illness.  A competitive Workers’ Compensation policy is important, and when combined with loss control and claims and experience modification monitoring, can make all the difference in your company’s bottom line and the safety of your employees. 

The Assigned Risk Pool is designed for businesses who have been declined by voluntary insurers.  If you are in this pool due to claims experience, a non-renewal or never receiving an alternate option, give us a call!  We have had success in helping businesses to get their safety record on track, and with aggressive marketing have been able to get them into a voluntary market to reduce premiums!

General Liability:

Commercial General Liability provides protection in the event that your business incurs a legal responsibility for damage to property or injuries to others. However, coverage forms can vary, and coverage may be limited or excluded with forms attached to the policy, or inversely, may be broadened with the appropriate endorsements. A thorough understanding of your General Liability policy is crucial for the protection of your business.

Commercial Property:

A Commercial Property Policy provides insurance coverage for damage to your building and contents due to a covered cause of loss, such as fire or windstorm.  Coverage may be broadened on a Commercial Package Policy by adding coverage forms for equipment breakdown, lost income due to business interruption, and many other potential losses. 

Commercial Auto Policy:

Coverage can be written to provide liability protection for injury or property damage, as well as coverage against uninsured motorists and physical damage to your vehicles.  A competitive auto policy is a staple for any business, even those who don’t own any company vehicles. 

Employment Practices Liability Insurance:

Employment Practices Liability Insurance: Coverage for employment related lawsuits such as discrimination, wrongful termination or harassment are not covered by a General Liability Policy. An Employment Practices Liability Policy is crucial in today's litigious society. 


In addition to the above commonly requested commercial products, we can also provide:

  • Surety:  Contract Payment & Performance, License, Fidelity and Miscellaneous Bonds
  • Professional Liability:  We have competitive programs for architects, engineers, attorneys, accountants, IT and many other professions.
  • Environmental Liability:  Contractor Pollution, Transportation and Site Liability.  The effects of a pollution incident can be far-reaching and policies vary widely in the protection offered.
  • Marine:  Contractor’s equipment, ocean charters, transportation and shipping risks all have something in common:  Marine Insurance.
  • Umbrella:  Excess liability protection can be a business’s life preserver in the event of a catastrophic liability claim. 

For competitive quotes and an insurance review on the coverages above or other insurance products, give us a call to schedule a consultation.

Ask about our Personal Insurance Products:

Home, Auto, Recreational Vehicle, Watercraft and Personal Umbrella - we have great markets offering these important coverages too.