Insurance solutions
Commercial Property Insurance:
Commercial property insurance provides coverage for physical assets owned by a business, such as buildings, equipment, inventory, furniture, and fixtures. This type of insurance helps protect against risks such as fire, theft, vandalism, and natural disasters. It typically covers the cost of repairing or replacing damaged property, as well as associated business interruption expenses if operations are temporarily halted due to covered events. * Contact for Coverage*
Commercial General Liability Insurance (CGL):
Commercial general liability insurance, often referred to as CGL, offers protection against third-party claims of bodily injury, property damage, and advertising injury arising from a business's operations, products, or services. It helps cover legal fees, court costs, and settlements or judgments in the event of lawsuits brought against the insured business. CGL insurance is essential for businesses to protect against potential financial losses resulting from liability claims.
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Workers' Compensation Insurance:
Workers' compensation insurance provides coverage for employees who suffer work-related injuries or illnesses. It is designed to protect both employees and employers by providing financial assistance to injured workers for medical expenses, rehabilitation costs, and lost wages, while also shielding employers from potential lawsuits related to workplace injuries. Workers' compensation insurance typically covers a range of work-related incidents, including accidents, repetitive stress injuries, and occupational illnesses. By ensuring that employees receive prompt medical care and compensation for work-related injuries. Compliance with workers' compensation laws is mandatory for most employers, making this type of insurance essential for businesses of all sizes.
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Specialty, Classic, Exotic Auto:
Specialty classic and exotic auto insurance is designed specifically for unique and high-value vehicles, such as classic cars, vintage automobiles, exotic sports cars, and collector's items. Unlike standard auto insurance, which typically provides coverage based on the vehicle's depreciated value, specialty auto insurance takes into account the appreciation and rarity of these vehicles. It often includes features such as agreed value coverage, flexible usage restrictions, and specialized repair or restoration coverage to ensure these prized possessions are adequately protected against damage, theft, or loss. Partners with HAGERTY.
Homeowners Insurance:
Homeowners insurance provides coverage for the physical structure of a home, personal belongings, and liability protection for homeowners. It typically includes coverage for risks such as fire, windstorm, theft, vandalism, and certain types of water damage. Additionally, homeowners insurance often covers liability claims against the homeowner if someone is injured on the property or if the homeowner accidentally damages someone else's property. Different types of homeowners insurance policies offer varying levels of coverage, allowing homeowners to tailor their insurance to meet their specific needs.
Flood Insurance:
Flood insurance offers protection against damage caused by flooding, which is not typically covered by standard homeowners insurance policies. Flood insurance policies are often purchased separately and are available to homeowners, renters, and business owners in flood-prone areas. This type of insurance covers structural damage to buildings as well as damage to personal property caused by flooding. It helps policyholders recover from the financial losses associated with flood-related damage, including cleanup costs, repairs to the structure, and replacement of belongings. Flood insurance is essential for anyone living in or near flood zones to mitigate the risks associated with this common natural disaster.
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