If you need insurance, whether it's to protect your personal assets or your business, we have the knowledge and expertise to advise what coverages are needed as well as the relationships with insurance companies to price those coverages fairly and competitively. We insure only with companies maintaining AM Best ratings of excellent or better, leaving you safeguarded against being insured by a company in financial distress. If you are a contractor, we will review any construction contract paying close attention to the insurance requirements and hold harmless clauses. If onerous provisions exist in either of these two sections, we will work with you to try to modify those clauses, creating a more fair contract. Common Commercial Insurance Coverages we write: Property: 1. Commercial Property - office building, warehouse, and personal property. 2. Business Income and Extra Expense - covers lost profits due to a covered cause of loss, as well as those increased expenses due solely to keep operations running. 3. Business Auto: Covers your fleet of vehicles for business use. 4. Electronic Devices: Covers computer hardware and software in a more comprehensive manner than does the property policy. 5. Contractors Equipment: Covers owned, leased, rented, and borrowed equipment located at a job site, in a storage yard, or in transit. 6. Builders Risk/Installation Floater: Covers construction, renovation, additions and delayed completion costs. Liability: 1. Commercial General Liability: Covers 3rd party property damage and bodily injury occurring on company premises, during operations, or as a result of completed operations. 2. Business Auto: Covers bodily injury and property damage to a 3rd party for which the insured is found liable. 3. Pollution Liability: Where there is little or no coverage in the CGL for your pollution-related claims, this line of coverage can be specialized according to your needs. 4. Professional Liability: 5. Workers Compensation and Employers Liability 6. Excess/Umbrella Liability