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| Business Insurance |
| We offer all types of insurance to
meet your business needs. Contact one of
our staff members who will be ready,
able, and willing to answer any
questions you may have. We are available
by phone at (808) 537-1970 and
individually via e-mail; just look at
our company directory. The folks listed
to the right specialize in commercial
insurance. |
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Click a
category of insurance for a brief
overview,
or scroll down for more |
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Automobile Liability and Physical Damage
This policy can provide a combination of
liability protection and physical damage coverage for loss due to damage
to vehicles owned, maintained, or used by you. Additional coverages such
as medical payments and uninsured motorist protection can be purchased
to "customize" the policy to fit your business.
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Boiler & Machinery
Traditionally, Boiler and Machinery
equipment has been handled as a separate line of coverage. These
policies combine, in one form, all the property and liability coverages
needed for this valuable and important type of property. A variety of
endorsements can be used to "customize" this policy to fit your specific
needs.
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Bonds
Protection provided by a bond is not
insurance. Coverage under an insurance policy involves a two-party
agreement whereas in a bond, the person who pays the premium, known as a
principal, is bonded for an action by a surety for the benefit of a
third party commonly called a beneficiary. Bonds are distinguished
between Surety bonds, which guarantee the performance of a contract, or
Fidelity bonds, which protect against the dishonesty of employees
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Business Income (and Extra Expense)
This coverage is used to
insure against loss of income (including any continuing normal operating
expenses) that you experience because of a suspension of your business
when insured property has been damaged by a covered peril. Under this
form, extra expenses are included and rental values can be added as an
option. An extended period of indemnity provision is also included to
provide coverage after you resume operations until your business returns
to its normal level of activities, up to the time period specified in
the form.
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Crime Insurance
This coverage provides protection
against loss due to criminal acts of others. Several types of exposures
can exist which require consideration when analyzing your crime
protection insurance.
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EPLI
Employment Practices Liability Insurance
This coverage is used to provide
protection against lawsuits by employees alleging wrongful discharge,
discrimination, harassment or other specified employment related
exposures.
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Errors & Omissions / Professional Liability /
Media Liability / Medical Malpractice
This coverage is used to insure
against claims arising out of negligent acts, errors or omissions in the
rendering or failing to render professional services as defined in the
policy.
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General Liability Insurance
This coverage protects your business
from claims arising from alleged bodily injury, personal injury or
property damage liability. It includes protection for services you
render or products you sell. Coverage payments can include judgments,
attorney fees, court costs, or other related expenses
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Garage Liability Insurance
This policy fulfills the
special needs of auto-related firms such as yours. The policy provides
coverage for liability, medical payments, and physical damage for owned
and non-owned vehicles. Additional coverages can be purchased to
customize the policy to fit the particular needs of your business.
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Garagekeepers Liability Insurance
This insurance is used to insure
against claims arising out of damage to vehicles owned by others which
are left with you for storage, service, safekeeping or repair.
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Motor Truck Cargo
This policy is used to insure
merchandise belonging to you or for which you may be liable. It protects
against direct loss or damage caused by a covered peril while the
merchandise is in transit on a described vehicle within the covered
radius. Coverage also includes protection for merchandise while it is
temporarily warehoused awaiting transfer to its final destination
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Inland Marine Coverage
Property that is mobile in nature has
been traditionally handled on these types of policies. A wide variety of
forms and coverages has been developed to handle the needs of this
property.
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Property Insurance
Real property coverage provides
protection for permanent structures listed on the policy. Completed
additions, permanently-installed fixtures, machinery and equipment,
outdoor fixtures, owned personal property used to service, repair or
maintain the building and additions under construction or repair are all
included in this definition.
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Umbrella Insurance
This policy provides protection against catastrophic liability claims.
The policy acts as an excess coverage over your primary liability
policies. Its limits apply in addition to that provided by the
underlying coverage.
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Workers Compensation
State law requires that every
employer provide Workers Compensation insurance for their employees.
This insurance provides coverage for accidents or disease arising from
employment as prescribed by these state laws. Benefits can include lost
wages, medical expenses, and permanent disfigurement/disability
payments.
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Contact us for More Information
We're sure we can provide you with the coverages you need. Contact
us at 808.537.1970 to discuss your insurance needs with our specialists.
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