Business Insurance

Businesses are diverse, and almost every type of business has unique requirements - and risks. That is why it is so important to work with an insurance agency with experience in the specific risks that you face, and a relationship with carriers that understand those risks and write policies specifically tailored to your needs.

The following are some of the many areas where we have expertise:

Wholesale Distributors

We can provide a full range of coverages including property, general liability, product liability, commercial auto, workers compensation and any other specialized insurance you may require.

Manufacturing Risks

We provide a full range of coverages for all types of manufacturers, ranging from apparel to high technology manufacturers and everything in between.

Retailers

We currently work with a wide variety of retail businesses including, but not limited to apparel stores, variety stores, supermarkets, bakeries and restaurants.

We offer a specialized program for restaurants, including both sit-down and fast food establishments, that provide the specific coverages appropriate to your business.

Ocean Marine / Importers / Exporters

Tailor made policies are available insuring goods from the point of origin until final delivery to the customer. For importers, this may include coverage from the overseas factory to the vessel, on the vessel, from the vessel to the warehouse, and from the warehouse to the customer, all under one policy at very competitive rates.

Schools and Religious Institutions We offer a specialized insurance program that can include special risks such as
  • Faculty professional liability
  • Clergy professional liability
  • Sexual and molestation abuse
  • Student accident coverage
  • Employment practices liability
  • Liability arising from catering operations at your institution
Commercial Auto

We can insure anything from a single vehicle to a large fleet including private passenger cars, trucks, tractor trailers, standard buses and school buses.

We can write this coverage as part of a package policy or on a stand alone basis.

Jewelers Block

In this highly specialized field, coverage could be denied based on a misrepresentation, even an inadvertent one. We have extensive experience in this area, and can help ensure that you don't experience a problem when it matters most.

Hotels and Hospitality

In addition to typical property, liability and commercial vehicle policies, firms in the hospitality industry may be required to have certain specialized coverages, such as Innkeeper's Legal and Hotel Services Error and Omissions.Our commercial insurance specialists can advise you on the basic coverages as well as specialty coverages you should carry to protect your business.

Employment Practices Liability

Lawsuits alleging discrimination, sexual harassment, retaliation, wrongful discharge and other violations are increasing, and the size of settlements are growing rapidly. This in turn is attracting more plaintiffs' attorneys, exacerbating the problem.

Professional liability (errors and omissions)

The need for this coverage no longer only applies to physicians, attorneys and other professionals, but any organization or individual that provides a service. This includes such diverse occupations as contractors, real estate professionals, advertising agencies, computer consultants, publishers, staffing firms and landscapers. You and your company may be held liable for claims arising from negligent acts, errors and omissions in rendering or failing to render service.

Workers' Compensation and Disability

We can provide workers compensation coverage via a traditional policy, a self insured plan or cost effective safety groups.

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Health Care Industry
  • Nursing home
  • Medical staffing
  • Medical clinics
  • Medical labs
  • Medical offices
  • Dental clinics
  • Dental offices

In addition to the standard property and liability coverages required to protect your facilities, we can provide the specialized coverages you require, including Professional Liability, Director's & Officer's Liability and Employment Practices Liability.

Employee Benefits

Selecting the right benefit package is becoming increasingly important in retaining the best employees, and keeping them productive. The cost of health insurance and other employee benefits is growing rapidly.

Weighing the cost and features of the many HMO, PPO
and traditional plans available is becoming more
difficult and complex every day.

We can provide both medical and dental coverage,
helping you to select the exact plan that is best suited
to your needs. We offer coverage from all major health
insurance carriers, including:

  • Oxford
  • Aetna
  • HealthNet
  • Blue Cross/Blue Shield
  • GHI
  • Atlantis