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Business Insurance

Each client is unique and our role is to understand:

  • The exposures that threaten your balance sheet.
  • Your risk tolerance.
  • Your services and support needs.
  • How to make your business attractive to insurance company underwriters.

 

The lines of business insurance we write:

PROPERTY - COMMON CONSIDERATIONS

The commercial property policy is the primary form used to insure your buildings and business personal property against direct loss from a covered peril. Policies will vary but each contains provisions that outline the scope coverage provided under the form. Some of these provisions apply to both building and personal property exposures and as such should be reviewed as part of your overall risk management program.

INLAND MARINE

Property that is mobile in nature has been traditionally handled on these types of policies. A wide variety of forms and coverages has been developed to handle the needs of this property.

AUTOMOBILE

This policy can provide a combination of liability and physical damage protection for vehicles owned, maintained or used by you. Additional coverages such as medical payments and uninsured motorist protection can be added to customize the policy to fit your particular needs.

LIABILITY

This type of insurance protects your business from claims arising from your legal liability for injury or damages to other people or their property. Coverage payments can include judgments, attorney fees, court costs, or other related expenses as defined in the form.

WORKERS COMPENSATION

State law requires that every employer provide workers compensation insurance for their employees. This insurance provides coverage for accidents or disease arising from employment as prescribed by these state laws. Benefits can include lost wages, medical expenses, and permanent disfigurement/disability payments. Various additional endorsements can also be added to ensure that adequate protection is being provided for your particular situation.

UMBRELLA/EXCESS

This policy provides protection against catastrophic liability claims. The policy acts as an excess coverage over your primary liability policies. Its limits apply in addition to that provided by the underlying coverage.

EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE

This insurance protects against lawsuits by employees alleging wrongful termination, discrimination, harassment, or other specified employment related exposures.

PROFESSIONAL LIABILITY - ERRORS AND OMISSIONS COVERAGE

This coverage insures you against claims arising out of your negligent acts, errors or omissions in the rendering or failing to render professional services as defined in the policy.

DIRECTORS AND OFFICERS LIABILITY

This insurance insures against claims arising from the negligent acts, errors, or omissions alleged to have been committed by present or former directors or officers of your corporation.

CYBER LIABILITY

This insurance is used to protect your business against various risks associated with e-commerce, internet access, local area networks (LANs) and digital assets. It is necessary because these types of computer related exposures are typically excluded from most traditional insurance policies. Depending on the coverage you purchase cyber insurance can protect against loss or damage that you incur such as theft or destruction of your data, extortion demands, lost income, or denial of service attacks as well as loss to others arising from your legal liability including failure to safeguard data, transmission of a virus and claims involving libel and slander or allegations of copyright, trademark or service mark infringement.

Ready to set up your business insurance?

Give us a call today
(203) 269-9565

Personal Insurance

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Business Insurance

Property
General Liability
Automobile
Cyber
Employment Practices Liability
Umbrella
Inland Marine
Professional Liabilty (E&O)
Directors and Officers
Workers Compensation

Main Offices

Commercial Lines
6 North Main Street
Wallingford, CT 06492

Phone: (203) 269-9565 (local)
Fax: (203) 269-9656

Personal Lines
373 Center Street
Wallingford, CT 06492

Phone: (203) 265-5681 (local)
Fax: (203) 294-1237

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