Our service does not end when you receive your insurance policies. We will continue to identify exposures new to your business and we'll discuss ways to handle these exposures. We'll keep monitoring our insurance companies' programs to make sure your business is written as competitive and comprehensive as possible.

Our experienced claims staff will work with our insurance companies to settle claims in your best interest. We will continuously evaluate and monitor claims status.

Below are some of the products we offer:

Builders Risk

Covers buildings or structures under construction. May also be sued to cover renovations. Policies are usually extended to cover building materials and supplies of others which are intended to become part of the building.

Boiler and Machinery

Policy applies to loss caused by covered objects. Specifications are set up to request Extended Comprehensive which includes production equipment as a covered object.

General Liability

Protects insured against claims brought by third parties for bodily injury or property damage arising out of the insured's business operations.

Workers' Compensation

provides employees with no fault coverage for bodily injury by accident or by disease including resulting death in compliance with state Workers Compensation laws.

Umbrella

A liability policy designed to provide catastrophic loss protection by affording increased limits and broader coverage than the underlying primary policies. An umbrella also includes a drop-down feature, enabling the policy to act as primary insurance when underlying limits are reduced or exhausted, or when there is no underlying coverage.

Professional Liability

Provides coverage to the corporation, partners, directors, officers and all employees for all professional service activities.

Crime

Covers employee dishonesty, forgery or alteration, theft, disappearance and destruction, robbery and safe burglary, premises burglary, computer fraud.

Employment Practices Liability

Provides coverage for allegations of discrimination, sexual harassment or wrongful termination.

Discrimination - Termination of an employment relationship or a demotion or a failure or refusal to hire or promote any individual because or race, color, religion, age, sex, disability, pregnancy or national origin. Sexual Harassment - Unwelcome sexual advances and/or requests for sexual favors. Wrongful Termination - Termination of an employment relationship in a manner which is against the law and wrongful or in breach of an implied agreement to continue employment. However, it does not include damages under and express contract of employment or an express obligation to make payments in the event of the termination.

Directors and Officers Liability

Provides coverage to the individual directors and officers when indemnification from the corporation is not available. Reimburses the corporation after it has extended indemnification to its directors and officers.

Kidnap and Ransom

Kidnap & Ransom and Extortion Bodily Injury:

This will provide indemnification for sums of money (or monetary value of any other consideration) surrendered by reason of:

Actual or alleged kidnapping of any insured person, relative or guest or; the threat to injure or kidnap an insured person. Detention Extension:

This will cover wages/salaries and reasonable costs incurred in negotiation the release of an insured person, relative or guest who has been involuntarily confined. A ransom demand need not have been made in order for this coverage to respond. There is no coverage for situations involving an alleged violation of local laws or failure to maintain proper travel documents.

Extortion Property Damage Including Contamination and Pollution:

covers extortions involving threats to damage, destroy, contaminate, pollute or otherwise cause loss to property or produce publicity that the Named Insured's products have been contaminated or polluted. Coverage may also be available for threats to introduce a "virus" into the insured's computer system. Extortion Property Damage normally can be broadened to include threats to reveal trade secrets.