Our Specialties

Expertise and coverage for businesses like yours.


 

Auto Service Garage

Auto service garages are exposed to many types of risks, such as:

Damaging the environment due to improper disposal of waste oil, old paint products or any other form of solvent

Additional damage to customer vehicle as a result of fixing original issue

Damage to customer vehicle while being test driven during or after repair

Common Customers

We are specialists in these classes of auto service garages:

  • Automobile Repair Shops
  • Automobile Body Shops
  • Oil Change Facilities (Quick Lube)
  • Full-Service Car Washes/Auto Detailing
  • Truck Service

To ensure you’re covered, enhance our Commercial Package offering (including Liability, Property and Auto) with these unique coverages:

  • Mechanic’s professional liability protects against faulty workmanship or a defective product on a customer’s vehicle.
  • Business interruption covers your business in case it needs to close due to a covered claim.
  • Money and securities protects the income of your business from theft and destruction.
  • Employee tools and computer coverage protect your hard-earned company assets.
  • Added property coverage for signs and fuel pumps extends your coverage to protect these investments.
  • Liability and physical damage coverage for your tow trucks.

Contractor

Contractors are exposed to many types of risks, such as:

Damage to work performed by a subcontractor at a job site

Damage to a building in the middle of construction by vandalism, theft or weather

Damage or theft to equipment used to prepare the ground or build the structure including but not limited to excavators, bulldozers or lifts

Common Customers

We are specialists in these classes of contractors:

  • Carpentry
  • Electrical
  • Plumbing
  • HVAC
  • Landscaping
  • Masonry
  • Commercial Builders
  • Residential Builders
  • Paving
  • Floor Covering

To ensure you’re covered, enhance our Commercial Package offering (including Liability, Property and Auto) with these unique coverages:

  • Tool and equipment coverage: Coverage for tools; equipment leased, rented or borrowed; building materials while at the job site, stored at a temporary location or in transit.
  • Pollution and professional liability for damage or bodily injury caused by pollutants or damage caused by the contractor’s error or omission.
  • Business income covers your company’s loss of income during a policy period due to a covered loss.
  • Additional insured coverage provides additional insured status when required by contract, agreement or permit, which is typically required by contract to obtain a job.

Dealership

Dealerships are exposed to many types of risks, such as:

Damage to dealership inventory due to inclement weather including but not limited to hail, wind or flood

Accidents involving a customer that is test driving a dealership automobile

Customer injuries such as tripping, slipping and falling on premise

Common Customers

We are specialists in these classes of dealerships:

  • Franchised Automobile
  • Non-Franchised Automobile
  • Truck Dealerships
  • Recreational Vehicle
  • Powersport
  • Motorcycle
  • Boat
  • Equipment (including farm)

To ensure you’re covered, enhance our Commercial Package offering (including Liability, Property and Auto) with these unique coverages:

  • Mechanic’s professional liability protects against faulty workmanship or a defective product on a customer’s vehicle.
  • Business interruption covers your business in case it needs to close due to a covered claim.
  • Money and securities protects the income of your business from theft and destruction.
  • Employee tools protect your hard-earned company assets.
  • Added property coverage for signs extends your insurance to protect company signs.
  • Errors and omissions coverage for truth in lending, federal odometer statute, dealer title paper preparation, prior damage disclosure and insurance agents.
  • Fraudulent, forged or counterfeit title coverage protects your investment should an auto be found to have a fraudulent, forged or counterfeit title.
  • Repair reimbursement coverage provides actual dealer labor/part costs for repair of your company’s autos.
  • New auto sales defense coverage to cover your company in case of a claim from the Lemon Law Statute.

Restaurant

Restaurants are exposed to many types of risks, such as:

Damage to refrigerated items due to power outage

Higher than normal exposure to fire

Additional risk assumed from valet services

Common Customers

We are specialists in these classes of restaurants:

  • Family Style Restaurants
  • Fast Food
  • Fine Dining
  • Limited Cooking

To ensure you’re covered, enhance our Commercial Package offering (including Liability, Property and Auto) with these unique coverages:

  • Business income provides coverage for the actual loss of income sustained during a policy period due to a covered loss, including health department shutdown.
  • Customers’ property is coverage for a loss to customers’ property while on your premises.
  • Spoilage or contamination by refrigerant covers damage to contents stored in the freezer or refrigerator.
  • Accidental discharge of automatic cooking protection system provides coverage to a loss of covered property caused by an accidental discharge from a kitchen and cooking area automatic fire extinguishing and suppression system.
  • Credit card slips covers amounts you are unable to collect due to a loss or damage to credit card slips.
  • Wine market value pays the value of lost or damaged bottled wine at the price it could have been sold for at the time of the loss.
  • Water back-up of sewers and drains provides coverage for damage caused by water back ups from a sewer, drain or sump.
  • Medical expense extended coverage for bodily injury expenses caused by your product.

Wholesaler

Wholesalers are exposed to many types of risks, such as:

Damage to refrigerated goods or temperature-sensitive goods that are held for sale

Damage to fleet of trucks due to theft, vandalism or accident

Loss of income to policyholder due to a covered cause of loss to a dependent supplier

Common Customers

We are specialists in these classes of wholesalers:

  • Building Materials Dealer
  • Grocery and Food Distributor
  • Appliance Distributor
  • Office Supplies Distributor
  • Auto Parts Distributor
  • Hardware and Tools
  • Paper Goods

To ensure you’re covered, enhance our Commercial Package offering (including Liability, Property and Auto) with these unique coverages:

  • Business income provides coverage for the actual loss of income sustained during a policy period due to a covered loss or a direct physical loss to property operated by others that you depend on.
  • Consequential loss assumption covers stock that is rendered unmarketable as a completed product because other stock has been lost or damaged.
  • Brand and labels pays for the cost to relabel damaged merchandise or label it salvage.
  • Peak season provides an additional 10 percent of your personal property limit.
  • Limited product withdrawal expense is a reimbursement for expenses incurred during a product withdraw.

GET THE COVERAGE YOU NEED.

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