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Business Lines

Whether your business is large or small, we have the products to meet your needs. Every business and industry is unique; we identify ways to properly insure the unique hazards of your business. As business owners ourselves, we understand the special protection businesses need to prosper.

Below is a list of various business lines that we can quote. Please note that this is not an exhaustive list. If you need something not found below, contact us!


An insurance policy that covers a company’s use of cars, trucks, vans and other vehicles in the course of carrying out its business. Coverage may include vehicles owned or leased by the company, hired by the company, or employee-owned vehicles used for business purposes.

Cyber Liability

An insurance policy that covers a business’ liability for a data breach in which the business’ customers’ personal information, such as Social Security or credit card numbers, is exposed or stolen by a hacker or other criminal who has gained access to the firm’s electronic network.


A single disability insurance policy that covers many people (a group). Disability Insurance is the industry name for an insurance plan that provides for periodic payments of benefits when a disabled insured is unable to work. The insurance product is designed to replace anywhere from 45 to 65% of your gross income on a tax-free basis should illness keep you from earning an income in your occupation. The insured group has a common interest or association, such as an employer, a trade, or a school affiliation.

General Liability

An insurance policy that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations.

Group Health

A group health insurance plan is an insurance plan that provides healthcare coverage to a select group of people. It covers the cost of an insured’s medical and surgical expenses. Depending on the type of health insurance coverage, either the insured pays costs out-of-pocket and is then reimbursed, or the insurer makes payments directly to the provider. Group health insurance plans are one of the major benefits offered by many employers. These plans are generally uniform in nature, offering the same benefits to all employees or members of the group.


A type of life insurance in which a single contract covers an entire group of people. A life insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured’s death. Typically, the policy owner is an employer or an entity such as a labor organization, and the policy covers the employees or members of the group.

Professional Liability

Also called professional indemnity insurance (PII) but more commonly known as errors & omissions (E&O) in the US, is a form of liability insurance that helps protect professional advice- and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit.


Insurance that is used to cover any type of commercial property. Such as Building, equipment, fixtures, furniture, merchandise, etc., identified in an insurance policy as owned by the insured and used in his or her business. Also called contents. Commercial property insurance protects commercial property from such perils as fire, theft and natural disaster.


Significant assets can be at risk when businesses are the target of lawsuits. If the cost of a claim exceeds the limits of a business’s underlying primary insurance policies, Commercial Umbrella Insurance extends liability coverage for an additional layer of insurance to further protect business assets.

Workers’ Comp

Is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue their employer for the tort of negligence.