Insurance Answers

Artisan Contractors Insurance

Artisan contractors, also known as casual contractors, includes many occupations that involve skilled work with tools at the customer’s premises. Carpenters, plumbers, electricians, entertainers, roofers, and tree surgeons are some of them.

Automotive Insurance – Commercial

Provides commercial auto liability and coverage to the auto itself that the business owns.  Can include coverage for rental reimbursement, towing/labor, etc. This can include coverage for motorcycles, boats, and other vehicles.

  • Damage to your vehicle(s)
  • Driver and passenger injury
  • Injury to third parties
  • Damage to someone else’s property


Automotive Insurance – Personal

Provides personal liability and coverage to the auto itself that you own and operate.  Can have coverage for rental reimbursement, towing/labor, etc.

Business Owners Policy (BOP) – Small Business Insurance‎

Coverage provides GL, property, and other types of insurance on one policy form.  Instead of having to piece together a policy to cover and encompass things, those allow it to be done in one fell swoop. A BOP typically protects business owners against property damage, peril, business interruption, and liability.

Commercial Insurance 

Commercial insurance, also called business insurance, can shield your business from costly risks like injuries, theft, property damage, and lawsuits. Large and small business owners can purchase different types of commercial insurance coverage, which compensate them for financial losses arising from unfortunate situations.

Also for larger/heavier contractors, large property risks like apartments, condos, HOAs, restaurant groups, property managers.

Commercial insurance protects a business from standard risks, or liabilities, including:

  • Client lawsuits
  • Property theft and damage
  • Customer or employee injury


Our Commercial Insurance Carriers

The Commercial Insurance Carriers we work with include: Harford Mutual, Donegal, Cincinnati, Selective, Travelers, Liberty Mutual, Hanover, Berkley, USLI, AmTrust, Guard, Berkshire Hathaway, Employers, Cumberland, Lititz, Philadelphia Insurance Company, Main Street America Group, The Hartford, Foremost, Millers Mutual

Contractors Insurance 

From street and road contractors, steel erectors, fabrication and machine shops, carpenters, painters, home renovators, our carriers can provide a litany of coverage options and provide protection for any risk that a contractor has.  Includes General Liability (GL), commercial equipment, umbrella, workers compensation, cyber liability, etc.

Data Breach/Cyber Security 

Cyber insurance can protect your business in the event of a security breach that compromises your or your client’s personal and private information. Provides PCI compliance reimbursement, notification expenses, among other things.

Employment Practices Liability

EPLI covers wrongful acts arising from the employment process. The most frequent types of claims covered under such policies include wrongful termination, discrimination, sexual harassment, and retaliation. 

Errors and Omissions

For professionals, that have “expertise and advice’ exposure – technology firms, consultants, accountants, lawyers, etc. Protect you financially from claims of inadequate work or negligent actions.

Flood Insurance 

While flood insurance is priced the same for each carrier, we can provide flood insurance quotes and policies if required by the mortgage company or you wish to obtain one for your own peace of mind. Most homeowners and renters insurance does not cover flooding. Only flood insurance helps you protect your home and savings.

General Liability  

GL insurance provides protection for your small business in the event of a claim filed due to your negligence as a business owner, or due to an accident that was outside of your control, but still happened on your watch. The cost of general liability insurance coverage varies based on the size of your business, the industry you are in, your location, and the amount of coverage you need.

Homeowners Insurance 

Provides coverage to replace/rebuild your home in event of a covered claim, as well as personal liability in the event of a lawsuit for something that happened at the house.

Personal Insurance 

Through our regional and local carriers, can provide insurance for personal autos, house, vacation house, personal umbrella, scheduled jewelry, and precious items.  Offer a review of what exists on your current policy and suggest limits and endorsements based on our expertise.

Property Insurance

Is an insurance policy that can provide coverage for property owners or renters. Examples of property insurance include homeowners, renters, and flood insurance policies. These policies can provide coverage for damages caused by fire, flooding, theft, weather, and other risks. Property insurance can include homeowners insurance, renters insurance, flood insurance, and earthquake insurance, among other policies.

Retail Risk Insurance

Includes concerns such as property damage, Theft, machinery breakdown, business interruption, professional liability legal assistance, workers’ compensation, and personal casualty.

Small Business insurance: 

Business insurance protects you from the unexpected costs of running a business. Accidents, natural disasters, and lawsuits could run you out of business if you’re not protected with the right insurance. Business insurance can fill in the gaps to make sure both your personal assets and your business assets are fully protected from unexpected catastrophes. In some instances, you might be legally required to purchase certain types of business insurance.

Surety Bonds 

Bonds, performance bonds, or any bond that may be required as a contractor is working on and bidding on a job. Usually A surety bond is a contract between three parties: the principal (contractor), the surety (insurance company) and the obligee (client/customer) in which the surety financially guarantees to an obligee that the principal will act in accordance with the terms established by the bond.

Umbrella Insurance – Commercial

Having a commercial umbrella policy to extend above your commercially owned auto and commercial workers comp policy to provide an extra layer of protection in the event of an unforeseen accident.  The extra coverage is something that we highly recommend to all business owners.

Umbrella Insurance – Personal

Having a personal umbrella policy to extend above your personal auto and personal homeowners policy provides an extra layer of protection in the event of an unforeseen accident.  The extra coverage is something that we highly recommend to almost everyone that owns a home or has multiple cars/homes/youthful drivers.

Workers Compensation 

Workers’ compensation is required by any business that has employees and would provide protection for your employees in the event they are injured on the job.  Medical bills, doctor visits, and paid time out of work until they can get back on the job.

Additional Insurance Coverage: