Business & Commercial Insurance

Condominium Association insurance is our specialy however, we have coverages for any Commercial Insurance need, such as the examples below.

• Boiler & Machinery
• Business Interruption
• Business Auto
• Commercial Property
• Condominium Associations
• Directors & Officers
• Excess Liability
• Fidelity & Crime
• Fire and Flood
• General Liability
• Professional Liability
• Inland Marine
• Liquor Liability
• Umbrella
• Workers Compensation

After analyzing your insurance needs, we will provide you with:

• A competitively priced proposal presented to you for your review.
• A responsible protection program designed for you.
• A company or companies selected to best suit your situation.
• Periodic reviews for the adequacy of your insurance program.
• We look for ways to save you money and we can arrange payment plans.

A few things you should know if you own a business:

• If you are hire a sub contractor to do work for your business, check their certificate of insurance... if they have no workers' compensation you will be held liable.
• Do you need an umbrella policy?
• If your company has a fire and is out of business for 2 months are you covered for loss of income?
• Have you updated the values of your equipment; your policy will not pay beyond the value shown, so be sure you are not giving the insurance company extra money.
• Do you understand the coinsurance clause on your property policy? You should, as it may cost you a penalty in the event of a claim.
• An Insurable Replacement Cost Appraisal should be obtained to properly determine the cost to replace the building.
• Flood Insurance should be obtained regardless of your flood zone. 30% of all flood losses occur in the less hazardous zones known as "B, C, X". Flood insurance is a separate policy and is not included in the property policy.