Journalist with microphone working on city street

OTHER SPECIALTIES

We allow you to focus on profitability and operational demands while we work to reduce your risk, administrative burden and insurance costs.

Types of Industries We Insure

  • Auto Dealerships (New & Pre-Owned)

  • Auto Service & Repair

  • Auto Body Shops

  • Convenience Stores & Gas Stations

  • Fuel Haulers

  • Janitorial Services

  • Mercantile & Retail

  • Not for Profit Organizations

  • Non-Profit Organizations

  • Transportation

  • Wholesale & Distributors 

Coverage Highlights

  • Blanket Building Coverage

  • Blanket Business Personal Property

  • Workers' Compensation

  • Automobile Liability

  • Cyber Liability

  • Crime (incl. Third-Party)

  • Spoilage

  • Employment Practices Liability

  • Directors & Officers Liability (D&O)

  • Floor Plan Insurance

  • Environmental / Pollution Liability

  • Inland Marine

  • Abuse & Molestation 

  • Liquor Liability

  • Umbrella & Excess Liability

  • Loss of Business Income

  • Bonding

  • Fiduciary Liability

  • Garage Keepers Liability

  • Much More...

Risk Management Services

  • Contract Reviews

  • Strategic Marketing

  • Claims Advocacy

  • COI Processing & Management

  • Targeted Loss Control

  • Experience Mod. Analysis

  • Bid Requirement Assistance

  • Employee Safety & Training

  • OSHA Compliance & Reporting

  • HR Assistance & Hotline

  • Fleet & Driver Safety Programs

  • Much More...

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Claims Scenario:
BUSINESS
INCOME

An auto parts retailer and distributor suffered a large fire loss at their main warehouse facility, resulting in a total inventory loss. It took several weeks to determine the extent of the loss. Meanwhile, new sales slowed and back orders were cancelled. It ended up taking 8 months to rebuild the warehouse and reach pre-loss revenue levels. Unfortunately, the company only had 3 months of business income coverage which resulted in an uninsured financial loss of $625,000.

Highlighted Service:
CONTRACT REVIEWS

A retail clothing store recently completed a $550,000 build-out for their new storefront. Although they did not own the space, they executed a 10-year lease agreement that required them to insure their portion of the building along with any betterments and improvements completed. Several weeks after the renovation was completed the store suffered an electrical fire causing over $800,000 of damages. As a result, some coverage was afforded to the landlord but the $550,000...