Click the links below for a general description of available coverage. Please refer to your policy for specific coverages and exclusions. The policy provisions will apply. 

Property Coverages

Contractor's Property Coverages

Builders Risk – Course of Construction – Installation Coverage

Commercial General Liability Insurance

Commercial Automotive Insurance

Umbrella Liability Insurance

Worker's Compensation Coverage

Property Coverages     ▲TOP

Protects your building and business personal property from direct physical loss or damage.

• Real property including but not limited to your building and other structures, permanently installed equipment and fixtures.

• Business Personal Property includes your furniture, fixtures, inventory or anything of value that can be carried out of the building.

• Property of others that is in your care, custody or control, off premises property, property in transit, valuable papers, glass and signs.

• Business Income Coverage for your net profit or loss of income due to a covered cause of loss.

• Extra Expense pays the additional expenses you may incur over and above those that would have been incurred during the normal operation of the business due to a covered loss.

• Employee dishonesty provides business protection for losses due to an employee theft.

Contractor's Property Coverage     ▲TOP

Contractor equipment coverage may include small hand tools to very large cranes. Any type of mobile equipment not licensed for highway use can be insured under this coverage.

• options include coverage for equipment you lease or rent to use in your operations.

Builders Risk – Course of Construction – Installation Coverage     ▲TOP

• Structures that are being built including temporary structures at the building site and building materials that have not yet become part of the building can be covered for direct physical loss. Building materials are covered while on the insured location, in transit or in storage at another location.

• Business income coverage can also be provided on the policy.

• The contractor's interest in building supplies or in fixtures yet to be installed can be covered for direct physical loss. This includes property in transit to the project.

Commercial General Liability Insurance     ▲TOP

Commercial General Liability provides insurance protection needed to pay damages for bodily injury or property damages for which a business may be legally responsible. It also provides coverage for defense of claims.

• Premises Liability covers you for injuries resulting from slips and falls.

• Personal and advertising injury protection provides coverage against claims from a 3rd party alleging damage or injury from libel and slander, false arrest, and malicious prosecution.

• Products and or completed operations coverage provides coverage against claims from a 3rd party alleging damage or injury arising out of products manufactured, sold, handled or distributed by the insured. Completed operations provides coverage against claims from a 3rd party alleging damage or injury occurring after operations have been completed or after an item is installed or built and is released for it's intended purpose.

• Medical Expense limit pays for medical expenses to a 3rd party resulting in bodily injury caused by an accident on premises you own or rent or when caused by your operations. These payments are made without regard to your liability.

• Fire Damage Liability provides coverage against claims from a 3rd party for fire damage caused by your negligence to premises rented to you.

Commercial Automobile Insurance     ▲TOP

• Liability protection for damages for bodily injury or property damage you are legally responsible due to an automobile accident including legal defense costs.

• Medical Payments for medical and funeral expenses to an insured caused by an automobile accident. An insured is the named insured, the insured's employees, guests and any person occupying a covered auto. Payments are made without regard to fault.

• Uninsured Motorist covers bodily injury to an insured due to an accident caused by an uninsured motorist, a hit-an-run driver or a driver whose insurer becomes insolvent.

• Underinsured Motorist covers bodily injury to an insured due to an accident caused by another driver whose liability limits may be insufficient to pay for damages. This coverage only applies when your underinsured liability limit is greater than the other driver's liability limit and their liability limits on their policy are exhausted.

• Non-Owned Auto Liability provides coverage for autos not owned, leased, hired, or borrowed by the named insured. For example, it covers the business for auto liability when an employee uses their own vehicle on the insured's business and becomes involved in an at fault accident. The employee's automobile liability coverage would be primary. This would provide coverage to the business for their liability due to the accident.

• Hired Auto Liability covers autos that are leased, hired, rented or borrowed for use in the named insured's business.

• Collision coverage provides protection to an insured's vehicle against loss or damage to a covered auto.

• Comprehensive coverage provides protection to an insured's vehicle against loss from other than collision not specifically excluded including but not limited to fire, theft, vandalism, animal impacts and glass damage.

• Specified causes of loss may be used in place of comprehensive coverage for an insured vehicle. The causes of loss covered are fire, lightning or explosion, theft, windstorm, hail or earthquake, flood, mischief or vandalism, sinking, burning, collision or derailment of a conveyance transporting the covered auto. Note, there is no glass coverage included in this coverage.

Umbrella Liability Coverage     ▲TOP

Umbrella liability insurance provides excess liability coverage over the insured's primary liability policy. Most umbrella policies provide coverage that is broader than the insured's primary policies. Underlying limits is a requirement of the insurer. Umbrella policies have the following functions.

• To provide additional limits above the each occurrence limit of the insured's primary policies.

• To take the place of primary insurance when the primary aggregate limits are reduced or exhausted.

• To provide broader coverage for some claims that would not be covered by the insured's primary insurance policies, subject to the policy retention or deductible.

Workers Compensation Coverage     ▲TOP

• Workers compensation covers employees for injuries or illnesses while on the job for medical payments, lost wages and rehabilitative services. It also provides death benefits to employee's immediate family including their spouse and children. Coverage is determined by statutory requirements.

• Employer's Liability protects employers for their legal liability for bodily injury by accident or disease to an employee arising out of and in the course of the employee's employment when not covered under the workers compensation law. Before benefits are paid under this coverage, the employee must prove the employer is liable for the injury.