COMMERCIAL GENERAL LIABILITY

Businesses need liability insurance to cover their exposures to liability losses to 3rd parties that can result from their business operations or professions.  Commercial General Liabilities Policies can come in two forms: Occurrence or Claims Made.  

 

PROFESSIONAL LIABILITY

Professional Liability Insurance is for individuals who provide professional services to consumers for a fee.  It provides protection against legal liability from negligence, errors and omissions and the rendering or failure to render professional services.  

*Directors and Officers (D&O)

*Employment Practice Liability (EPLI)

 

COMMERCIAL AUTO INSURANCE

Commercial Auto Insurance provides coverage for vehicles used in and for a business.  It provides physical damage coverage to the business vehicles as well as liability coverage for bodily injury or property damage to a 3rd party caused by an accident resulting from the insured’s ownership, maintenance, or use of any covered auto.

 

GARAGE INSURANCE

Garage insurance provides coverage for businesses that sell, service, repair, park or store vehicles.  Garage Insurance Coverage contains the same basic coverages found in the Commercial Auto but has specialized coverages to meet the needs of auto related businesses.

 

BUSINESS LINES INSURANCE

 

BUSINESS OWNER’S POLICY

Packaged insurance policy for small to medium sized businesses with low risk.  It provides coverage for business property and 3rd party liability claims.

 

BUILDER’S RISK

Builder’s Risk Insurance Policy is designed to insure buildings while under construction.  The coverage can be written two ways:  Completed Value Form for single projects or Reporting Form for multiple projects.

 

IN-LAND MARINE POLICY

In-land Marine Policy Insurance is designed to insure mobile property as it moves across land, sea, and air.

 

EQUIPMENT BREAKDOWN

Equipment Breakdown insurance provides coverage to a loss of covered property caused by the the breakdown of covered equipment in a business.

 

WORKER’S COMPENSATION

Texas is the only state where Worker’s Compensation is an “elective law” meaning that an employer is NOT required to carry a Worker’s Compensation Policy for its employees.  However, it is in the best interest of an employer who has employees to carry such policy.  A Worker’s Compensation Policy is designed to provide benefits to injured employees who sustained their injuries while working on the job.

 

SURETY BONDS

Bonds are designed to guarantee agreements or actions.  We provide two types of Bonds:  

*Surety Bonds: performance guarantees

*Fidelity Bonds: honesty and trust guarantees