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Property and Casualty

We know something about Tried and True...

We have been doing Property and Casualty for over 40 years. Over those years, we have been and are continuously challenged by our valued partners to help them find the right product for their clients.

We can assist in placing coverage for Property Coverage General Liability Coverage Liquor Liability Coverage Inland Marine Coverage Environmental and Pollution Coverage Excess and Umbrella Coverage International Property and Casualty Coverage and more. Any of these coverage's may be requested from many different sectors in our communities, like the ones we have highlighted below. Contact one of our knowledgeable underwriters or brokers to assist you in placing your business with one of our competitive admitted or non-admitted markets.

Manufacturing

Any product that is made with raw materials and skilled workers has been manufactured.


  • Soaps
  • Trailers
  • Cosmetics
  • Paper Products
  • Clothing
  • Jewelry
  • Signs
  • Wax Products
  • Metal Fabrication
  • Food and Beverage

Retail

Any product a consumer buys for use or consumption is sold via a retailer.

  • Convenience Sites
  • Pawn Shops
  • Book & Magazine Sites
  • Antique Sites
  • Electronic Sites
  • Internet Retailers
  • Pet Sites
  • Sporting Good Sites
  • Tobacco Sites

Service

How may I help you is a standard greeting for most service providers.

  • Beauty Salons
  • Hotel/Motel
  • Restaurants/Bars
  • Food Trucks
  • Halls/Catering
  • Exercise Clubs
  • Daycares
  • Habitational
  • Homeowners/Condo Associations
  • Tattoo Parlors

Industrial

The industrial industry creates products where no product existed through manufacturing processes.

  • Warehouses
  • Mini-storages
  • Woodworking
  • Welding
  • Machine Shops
  • Equipment Service
  • Installation and Repair
  • Concrete Plants
  • Rock/Sand/Gravel Quarries
  • Logging and Lumbering

Construction

We all like the American dream. If you own or rent a home or building, the construction industry is a big part of it.

  • Roofers
  • Remodelerss
  • Carpentry
  • Tree Trimming
  • Pest Control
  • Demolition
  • General Contractor’s
  • Landscaping
  • Plumbing
  • Electrical

Processing and Distribution

If you are like us, and your kids, we all love a good milk mustache. The processing and distribution sector makes sure we have enough food, and milk, to enjoy.

  • Meat
  • Fish
  • Poultry
  • Seafood
  • Milk

Property Coverage

Buildings, contents, stock in the open and business income are potentially some of the biggest investments for you client. We have many carriers who can offer coverage for the Total Insured Value on one policy and can bring in excess markets to complete the value if needed.

Some of the more wind prone areas are hitting insureds hard with high Wind and Hail deductibles. We can assist with Wind and Hail Deductible Buy Backs to help reduce the financial burden when your insured is hit with these losses.

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International Property and Casualty

There is risk everywhere. If your work takes you outside of the United States, or you have international sales via the web there is a potential for gaps in your coverage. Most domestic polices only cover losses in the US. We have package policies to fill those gaps on an international basis.

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Excess and Umbrella

Excess Liability and Umbrella coverage may seem similar, but there are some unique differences. Most notably, Umbrella forms can follow General Liability, Liquor Liability, Auto Liability and Work Comp.

Excess Liability, on the other hand, can only follow the General Liability. We can offer better protection for your clients with limits from 1,000,000 to 25,000,000.

Inland Marine

In general, once property is beyond 100 feet of an insured’s premise, coverage on your property policy ceases. Make sure your client has all the right kind of coverage he needs for his mobile property and equipment.

We can protect property involved in transferring of information (Data Processing), Contractors Equipment, Builders Risk, Drones, Installation Floater, Scheduled Property Floater, Exhibitions, Miscellaneous Bailee, Warehouse Legal Liability, Riggers Liability, and more.

Environmental Pollution Liability

Pollution Liability is not covered under your typical General Liability policy.

Is your insured looking for Insurance coverage for bodily injury, property damage and remediation expenses arising out of the release of contaminants into the environment?

General Liability

Every business, from the smallest shop to a company of thousands, has different needs based on their service and/or products they deliver. We have competitive markets to place standard accounts up to the most unusual risks.

Sometimes you will see those accounts excluding Products Liability from their General Liability policy. Products Liability maybe available as a standalone in those scenarios.

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Liquor Liability

Your client’s legal liability for selling, serving, manufacturing or distributing alcoholic beverages to a consumer begins at the first drink.

If the consumer has reached the legal intoxication limit and is over served, your client can be held responsible for any bodily injury or property damage imposed by them on a third party.

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