Our Specialties

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.

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.

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.

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.

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.