Commercial Package

 

CPP(Commercial Property Package)

A commercial package policy is an insurance policy that combines coverage for multiple perils, such as liability and property risk. A commercial package policy, or CPP, allows a business to take a flexible approach to obtaining insurance coverage, and may allow the business to pay out a lower amount of premiums than if it purchased a separate policy for each risk.

 

Property Insurance

Property insurance is a broad term for a series of policies that provide either property protection coverage or liability coverage. Property insurance provides financial reimbursement to the owner or renter of a structure and its contents in case there is damage or theft, and to a person other than the owner or renter if that person is injured on the property.

 

Liability Insurance

          Liability insurance provides the insured party with protection against claims resulting from injuries and damage to people                      and/or property. Liability insurance policies cover both legal costs and any payouts for which the insured party would be r                      responsible if found legally liable. Intentional damage and contractual liabilities are generally not covered in these types of                    policies.

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Worker’s Compensation

 

Workers' compensation is a publicly sponsored system that pays monetary benefits to workers who become injured or disabled in the course of their employment. Workers' compensation is a type of insurance that offers employees compensation for injuries or disabilities sustained as a result of their employment.

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Commercial Auto

 

Commercial vehicle insurance is a policy of physical damage and liability coverage for amounts, situations, and usage not covered by a personal auto policy. Knowing the difference between a personal auto insurance policy and a commercial auto policy (and when you need which) is important business—for your business. This type of business insurance covers a variety of vehicles—from automobiles used for business, including company cars, to a wide variety of commercial trucks. Box trucks, food trucks, work vans and service utility trucks are just a few examples of larger commercial vehicles which also require coverage, including coverage for employees operating the vehicle and possibly the equipment inside. You may have heard of this coverage referred to as commercial auto insurance, commercial car insurance, truck insurance, or fleet insurance.
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Umbrella

 

An umbrella insurance policy is extra liability insurance coverage that goes beyond the limits of the insured's home, auto or watercraft insurance. It provides an additional layer of security to those who are at risk for being sued for damages to other people's property or injuries caused to others in an accident. It also protects against libel, vandalism, slander and invasion of privacy. An umbrella insurance policy is very helpful when the insurance owner is sued and the dollar limit of the original policy has been exhausted. The added coverage provided by liability insurance is most useful to individuals who own a lot of assets or very expensive assets and are at significant risk for being sued.

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Ocean Cargo

 

Ocean cargo insurance is a specialty type of insurance we provide. Goods in transit need to be insured from an inland point of origin to a final inland destination and all points along the way. Most of the time, this is accomplished with one policy so there is no question as to which policy is in force at any given time. The coverage can be provided on an individual basis as each shipment is made or under a Marine Open Cargo policy. Insurance can be purchased by the buyer, seller, consignee or freight forwarder. Transit insurance is from warehouse to warehouse, or as required by the terms of sale, or by a specific country’s insurance requirements.