Insurance Products Overview

Here’s an overview of the various Insurance products that we can offer you.

Contractor’s Liability (General Liability)

Like other business owners, contractors typically need general liability insurance. A lack of general liability puts a contractor at risk on multiple levels. Purchasing a general liability policy Protects the purchaser (the “insured”) from the risks of liabilities imposed by lawsuits and similar claims. It protects the insured in the event he or she is sued for claims that come within the coverage of the insurance policy. [More Information]

Commercial Auto

Commercial jobs normally require $1,000,000 level of coverage. Personal auto policies usually do not offer limits this high or cover vehicles used commercially. General Liability policies do not cover vehicle related claims. Additional coverage levels such as Hired & Non-Owned are also available. [More Information]

Inland Marine / Tool Floaters

Protects property while in transit along with high-value, easily movable items like tools. Tools are not covered under the typical general liability policy. They either need to be specifically added or a separate Tool Floater must be written. [More Information]

Builder’s Risk

Also referred to as a “Course of Construction” policy. This offers coverage to buildings while they are under construction. Builder’s risk insurance is coverage that protects a person’s or organization’s insurable interest in materials, fixtures and/or equipment being used in the construction or renovation of a building or structure should those items sustain physical loss or damage from a covered cause. [More Information]

Surety Bond

A surety bond is an agreement between a surety company and the owner of a project that a contract will be completed. Most public construction contracts and some private projects require one, so if you’re a construction contractor bidding on a project, there’s a good chance you’ll need a surety bond. A surety bond is a type of insurance that guarantees performance of a contract. If one party does not fulfill its end of the bargain, then the surety bond provides financial compensation to the other party. [More Information]

Contractor’s License Bond

Most states require a contractor to be bonded before he can get a license. A Contractors Bond provides financial guarantee that the contractor will perform a job correctly. If the contractor does not fulfill the contract, the surety company will pay a predetermined amount of money to the customer. Contractor’s bonds may also include payouts for damage to the property caused by the contractor, lost or stolen materials and unpaid subcontractors or material suppliers. [More Information]

Workers Compensation

Required by law to protect people who are injured on the job. If you are an employer who has employees working you are required to obtain a worker’s compensation policy. If you are a roofer in the State of California and don’t have employees, you are still required to carry workers’ compensation insurance. [More Information]

Professional Liability

More commonly known as “errors & omissions (E&O) is a forms of liability insurance that helps protect professionals. Common claims that professional liability insurance covers are negligence, misrepresentation, violation of good faith and fair dealing, and inaccurate advice.  Professional liability insurance is required by law in some areas for certain kinds of professional practice (especially medical and legal), and is also sometimes required under contract by other businesses that are the beneficiaries of the advice or service. [More Information]

Boat Insurance

Boat insurance is a necessity for any boat owner, whether the boat is intended for living on or just for leisure use. A boat is considered just as much of an asset as a house or any other form of property. [More Information]

Mobile/Modular Home Insurance

If you own a house, you should have homeowners insurance to cover both the loss of your house and it contents. The same holds true for someone who owns a mobile home. Mobile home insurance can help protect your valuable assets, and much more. [More Information]

Travel Trailer/Toy Hauler Insurance

Don’t let your adventure be interrupted with worry. Your auto or homeowners policy may not adequately cover your trailer and surroundings. It’s against the law to operate a recreational vehicle in most states without some form of insurance. Most states call for drivers to have a minimum of RV insurance. [More Information]