We offer coverage on many policy forms, which provide coverage for the following: 

Fire, Lightning and Explosion

Vandalism, Sonic Boom, Windstorm or Hail, Smoke, Vehicles and Aircraft, Riot or Civil Commotion, Sprinkler Leakage, Sinkhole Collapse, Volcanic Action.

Glass Breakage, Falling Objects, Weight of Ice, Sleet, and Snow. 

Our property coverage provides coverage for Buildings, Building Property, Business Personal Property, and or Personal Property of Others.  

We also have several property options as well which may include Limited Theft Coverage for Contents, Sign Coverage, Ordinance or Law Coverage, and Increased Cost of Construction. 

Commercial General Liability Coverage form provides general liability coverage.  It has six separate limits of liability as follows: 

1.   Coverage (A) Bodily Injury and Property Damage-This is the limit the company will pay or bodily injury and/or property damage to which this insurance applies.

2.   Coverage (B) Personal and Advertising Injury Limit-This is the most the company will pay for personal and advertising injury arising from any one occurrence, regardless of the number of claimants. 

3.   Coverage {C} Medical Expense Limit-The most the company will pay for medical expenses because of “bodily injury” sustained by any one person.

4.   General Aggregate Limit-The most the company will pay for the sum of medical expenses under coverage C, damages under coverage A, except damages because of bodily injury or property damage included in the products-completed operations hazard, and damages under coverage B.

5.   Products/Completed Operations Aggregate Limit-The most the company will pay under Coverage A for damages because of bodily injury and property damage included in the product-completed operation hazard.

6.   Damage to Premises Rented to You Limit-The most the company will pay for damages because of property damage to any one premise, while rented to the insured or in the case of damage by fire, while rented to the insured or temporarily occupied by the insured with permission of the owner.

Each Occurrence Limit-The most the company will pay for the sum of damages under Coverage (A) and medical expenses under coverage C because of all bodily injury and property damages arising out of any one occurrence.