Our Insurance Policies

Automobile

Automobile

Covers bodily injury and property damage to other and provides coverage for damage to your vehicles.

Boat Dealers and Marinas

This provides coverage for your inventory of owned boats, work boats and equipment, along with Building and Contents. It also provides coverage for Marina Liability - Boats owned by others that are stored at your facility, being worked on by you and hauling and or launching. Also available is Watercraft Liability.

Bonds

We can provide many types of bond you may require.

Business Owners Policy

A package of coverages to meet the needs of many small to medium sized businesses that have similar and relatively uncomplicated insurance needs.

Commercial Package Policy

This policy is tailor made for your business to include those coverages you need from the following: Property, Liability, Auto, Inland Marine, Boiler and Machinery, and Umbrella.

Directors and Officers Liability

Protects the directors and officers of a corporation against liability allegations arising out of their "wrongful acts" and reimburses the corporation when it is legally required or permitted to indemnify its directors and officers for their wrongful acts.

Employment Practices Liability

Protection against lawsuits alleging discrimination, wrongful termination, sexual harassment, and failure to promote which are excluded by the commercial general liability form. These types of lawsuits against employers have increased dramatically over the past few years. Defense cost provided even if suit is groundless.

New York State Statutory Disability

Covers employees for off the job injuries. As with Workers Compensation, this coverage is required by law.

Professional Liability

Covers specialists, such as doctors, dentists, lawyers, accountants and others for negligence and errors and omissions that injure their clients.

Umbrella Liability

Coverage for losses that exceed the liability limit of an underlying policy.

Workers Compensation

Pays for medical care and physical rehabilitation of workers who are injured while on the job, and pays for lost wages while they are unable to work.