PROPERTY
Our program's property coverage is designed to provide financial
protection against physical loss of or damage to many kinds
of business property you own, safeguarding your firm's
investment in buildings, equipment, tools, supplies,
furniture, fixtures and improvements.
The coverage covers loss or damage caused by fire,
windstorm, vandalism and other covered risks. Optional
coverage and limits for Business Income and Extra Expense
are also available.
Building Coverage - Offers protection against
physical loss or damage to buildings and other structures at
the same location when the loss or damage is due to fire or
other covered incidents. Coverage is provided up to the
limits chosen in your policy.
Personal Property Coverage - Protects your firm
against physical loss or damage to your business's
equipment, stock, furniture, fixtures and/or improvements
when the loss or damage is caused by fire or other covered
incidents. Coverage is provided up to the policy limit you
choose.
Business Income Insurance - Reimburses your business
for loss of income as a result of direct physical damage to
your covered property.
Business Income/Extra Expense Insurance - Reimburses
your business for lost profits, fixed expenses and the cost
of restoring operations should your business have to shut
down because of covered property damage.
GENERAL
LIABILITY
Protecting a business from loss is a must for any
organization. Our program's General Liability policy
provides financial protection in case your business is sued
or held legally responsible for its actions or inaction
involving a third party.
The General Liability policy guards your organization
against liability claims brought for alleged property
damage, bodily injury and personal and advertising injuries,
and can also include coverage for premises, products,
completed operations and limited contractual liabilities.
GARAGE
Our program offers complete insurance protection for fire
apparatus dealers and distributors with the Garage Liability
and Garagekeepers' Legal Liability coverage options.
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AUTOMOBILE
Your firm faces unique exposures associated with your
business's automobile use, including auto accidents
involving your employees while they are on the job.
Employees who can cause injury or damage in such situations
present your company with a significant financial risk.
This important coverage safeguards your business vehicles
for loss caused by collision and comprehensive damages, and
includes liability protection for bodily injury and property
damage exposures inherent to the use of your business autos.
Special coverage is available for Auto Liability, Owned and
Non-Owned Autos, Collision and Comprehensive, and
Uninsured / Underinsured Motorist.
Driver's safety programs and vehicle safety programs are
always recommended, and our Loss Control department is
available to help your organization implement or improve
your safety procedures.
ERRORS AND OMISSIONS
FireWatch General Liability policies include important
Errors & Omissions coverage for contractors who design and
install fire suppression systems, fire extinguishers and
fire alarms. This coverage protects your business against
liability resulting from an error or omission in the
performance of your professional duties.
Rather than provide liability for bodily injury or property
damage, FireWatch E&O covers your firm's susceptibility to
financial loss, protecting it against damages that may arise
out of errors in system design, installation, testing,
inspection or repair.
UMBRELLA
Umbrella coverage provides additional protection for your
business by extending the liability limits of your primary
liability policies. These policies include General
Liability, Automobile Liability and other specified
underlying insurance, such as Employers Liability.
The policy also features following form coverage, errors &
omissions coverage, and no SIR limit.
In addition, our program offers Excess Liability coverage
layers, which allow you to tailor your liability limits for
any given situation or where required by a contract for
services.
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