Business & Commercial Protection

Personal insurance products provide our customers with protection for their homes, automobiles and personal possessions, along with personal liability coverages.

Builder's risk insurance is a policy that is designed to provide coverage for buildings while under construction. It covers the contractor’s interest in materials at the job site before they are installed, materials in transit intended for the job, and the value of the property being constructed until it is completed and accepted by the owner.

As a business owner, you have enough on your mind without having to worry about your insurance needs. You want to have the confidence that the business you've built is covered by a company that understands your business insurance needs.

Business interruption insurance is critical if your business suffers a property loss that could cause the business to slow or close down while repairs are made. This may mean a complete or partial revenue loss depending on the time frame and the damage.

Business Owners Package policy, commonly called a "BOP", contains many of the insurance coverages needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements. The basic BOP offers business property for both building and contents, and liability insurance protection for the operation of your business.

Cargo insurance is an insurance policy designed to protect against loss of or damage to your goods while they are being transported. The policy is meant to indemnify you if there is any loss or damage to your cargo.

Your congregation has a substantial investment in your church. It’s not only a place of worship, but a community gathering place for activities of all kinds. If church property is damaged or destroyed you’ll want to replace it.

A commercial auto insurance policy is required under most circumstances when the vehicle is used for business purposes and meets certain other requirements. It is not just the registration that determines the requirement for a business automobile insurance policy.

Commercial earthquake insurance can be very important in some parts of the United States, where earthquakes can cause severe damage. Most commercial property policies exclude coverage for earthquake damage (including earthquake sprinkler damage, etc.).

Commercial property insurance is a special type of insurance that covers the company building as well as the contents owned by the company. "Property" can include a variety of types: lost income or business interruption, buildings, computers, money, and valuable papers.