Our Solutions

• Up to $20M total insured value per location

  • including Building & Business Personal Property

• Hurricane & Specialty Coverages

• Business Income — Actual Loss

• Debris removal

• General aggregate — $2,000,000

• Products/completed operations aggregate — $2,000,000

• Each occurrence — $1,000,000

• Personal & advertising Injury — $1,000,000

• Medical payments limit — $5,000

• Hired & Non-owned auto coverage available

• Coverage up to $20M per location, including higher hazard states

• Protects construction projects, materials and equipment from fire, theft, vandalism and natural disasters

• Covers hard costs (materials & labor) and soft costs (delays & lost income)

• Optional coverages include flood, debris removal and mechanical testing

NFIP: A Government Backed Solution

• Federal program (FEMA-backed) offering standardized flood coverage

• Required for properties in high-risk flood zones or those with a history of flooding

• Coverage includes:

  • Building Structure (foundation, walls, electrical, plumbing & HVAC systems)

  • Personal Property (appliances, furniture, valuable assets (subject to limits))

• Benefits - stable premiums, government backing & broad accessibility
   

Excess Flood Insurance

• Provides higher limits beyond NFIP's standard coverage

• Meets lender and developer requirements for high-value properties

• Customizable to specific risk exposure and asset protection needs

Comprehensive Employee Protection

• Coverage for medical expenses, lost wages and rehabilitation due to work-related injuries

• Includes protection for occupational diseases and long-term disability cases
   

Policy Limits

• Bodily Injury (per accident) — $1,000,000

• Bodily Injury (per employee/disease) — $1,000,000

• Policy Limit for Occupational Diseases — $1,000,000
   

Key Benefits

• Ensures compliance with state and federal regulations

• Protects businesses from legal liability and financial losses

• Supports a safe workplace with risk management solutions