Workers Compensation
Required coverage for employers that provides state-mandated benefits to employees due to job-related injuries, including death, resulting from workplace accidents or occupational diseases.
Employers Liability
Provided with a workers compensation policy, protects you if you become liable for injury to an employee for a job-related injury that is not covered under the workers compensation law.
Optional Coverages
Waiver of Subrogation
With this endorsement, the insurer waives their right of subrogation against third parties who may be responsible for an injury.
Voluntary Compensation and Employers Liability Coverage Endorsement
This endorsement is used to provide these coverages to employees who are not subject to the state’s workers compensation law.
Partners, Officers and Others Endorsements
We provide the option to include or exclude partners, officers or others under the workers compensation policy.
Loss Control Services
A complimentary service provided by our experienced team of loss control consultants. Our goal is to help you identify solutions for potential gaps in safety programs and risk mitigation.
Commercial auto
Coverages
Collision
Covers the cost of repairing or replacing your vehicle when you’re involved in an accident.
Comprehensive
Pays for damages to your car caused by factors other than collision, such as fire, vandalism, weather, theft, accident with an animal, etc.
Liability
Bodily Injury, Property Damage, Uninsured Motorist and Underinsured Motorist are just a few of the liability coverages offered.
Coverage for Newly-Acquired Autos
Coverage automatically extends to recently purchased vehicles.
Medical Payments and Personal Injury Protection
These two coverages will pay for medical expenses, hospitalization and rehabilitation expenses resulting from injury to the insured or a family member.
Road Trouble Service
Lock your keys in the car? Run out of gas? No Problem®! If you’re stranded on the road due to a flat tire, minor mechanical malfunction or a dead battery, we will provide the service you need.
Additional Expense
When you can’t use your vehicle due to an accident, the additional expenses can add up fast. This coverage helps pay for a rental car. And, if you’re stranded away from home will cover food, lodging and other incidental expenses.
Optional Coverages
Any Auto Liability
Provides liability for any vehicle used in your business. Includes owned, leased, hired, rented or borrowed vehicles.
Hired Auto Liability
Provides liability for vehicles you hire, rent, lease or borrow.
Hired Auto Physical Damage
Provides Comprehensive and Collision coverage for autos you hire, rent, lease or borrow.
Non-Owned Autos Liability
Provides liability coverage when employees use their own vehicles for your business.
Diminished Value
Covers any real or perceived reduction in market value when a vehicle is repaired after an accident.
Broadened Coverage for Named Individuals
Provides coverage to an auto you do not own, similar to what is provided under a Personal Auto policy. This is important if you are insuring your business and your personal auto liability on the same policy.
Loan Gap/Lease Gap
The second you drive your vehicle off the lot, it begins to lose value. If you are involved in an accident, you’re liable for the difference between the current value of your vehicle and the amount still owed on your lease or loan. That difference between value and the amount still owed is covered by this endorsement.