This insurance shields you from potentially severe financial setbacks arising from injuries, property damage, and other common risks associated with the electrical trade.

Essential coverages include:

General Liability: This fundamental protection guards against legal actions or financial responsibilities from a wide range of accidents, such as a fire caused by faulty work.

Commercial Auto: Typically necessary if you use your vehicle to transport work-related supplies like parts, testing equipment, and other tools.

Additional coverages that electricians may require

Business Owners Policy (BOP): Expands general liability coverage to safeguard assets like your commercial buildings and personal property.

Workers’ Compensation: This coverage addresses the medical and financial needs of your employees who fall ill or sustain injuries while on the job.

Several factors, including contractual obligations, the number of employees, and other job-related risks, can influence the expenses associated with electrical insurance.

Call us today, we can help you find your best option.

Insurance for plumbing serves as protection against the diverse risks regularly encountered by plumbers and plumbing contractors. Primary plumbing insurance coverages include:

General liability: This essential liability coverage shields plumbing contractors from legal actions and financial difficulties arising from accidents or mishaps.

Commercial auto: We provide insurance for various types of vehicles and trailers commonly used by plumbers.

Additional coverages that plumbers may require

Business Owners Policy (BOP): A BOP is an expansion of general liability insurance that incorporates coverage for your commercial building or personal property.

Workers’ Compensation: Workers’ comp covers medical expenses and a portion of lost wages for employees who become ill or injured while on the job.

Your plumbing insurance cost depends on various rating factors, including your coverage needs, exposure and claims history. Contact us today to get a free insurance quote.

No matter the truck you drive, we provide cost-effective options for trailer insurance tailored to your requirements. We insure:

Auto Hauler Trailer: We provide coverage for you, your vehicle, and the transported vehicles through customized cargo insurance.

Dry Freight Trailer: Our motor truck cargo insurance ensures protection against additional risks.

Flatbed Trailer: Despite exposure to adverse weather conditions, our coverage extends to protect your cargo.

Utility Trailer:s Similar to other trailer types, we also provide coverage for the cargo being transported.

Other commercial trailer types include bulk commodity trailers, concession trailers, dump body trailers or transfer boxes, pole trailers, refrigerated dry freight trailers, and tank trailers.

Contact us and get a free quote.

Cargo trailers are designed to transport your personal goods without worrying about damage from outside elements. Stay protected with cargo trailer insurance.

This coverage is available to almost all types of trailers, and can even extend to your valuable personal property inside.

What you need to know about cargo insurance

1. Your car insurance does not cover your cargo. If you tow your cargo trailer using either your truck or car, it’s essential to obtain a distinct insurance policy that addresses any physical damage incurred by your cargo trailer. Additionally, ensure you have liability coverage for your tow vehicle to protect against any damage or injuries for which you may be held responsible due to your cargo trailer.
2. Factors like coverage selection, location, age and driving history will determine the price for your cargo insurance. Contact us to help you get a free quote for your cargo insurance.

Choose how you want to protect your cargo trailer

Comprehensive and collision – Comprehensive coverage safeguards your cargo trailer against unforeseen events beyond your influence, such as theft, vandalism, and damage caused by adverse weather conditions. In the event of an accident, collision coverage can cover the expenses to repair or replace your trailer.

Replacement cost/personal effects – If you’re using your cargo trailer to transport goods or gear, this provides you coverage for personal property inside your trailer.

Emergency expense coverage – Coverage from up to $750, or upgrade to $2,000, for transportation and lodging if your trailer is disabled more than 50 miles away from your home.

• Quoting for cargo insurance
• Know how often you use your trailer
• Customize your coverages
• Increase your deductible for a lower price

We are happy to assist you with any doubt. Contact one of our agents today and star your free quote for cargo insurance.

Dump truck insurance provides commercial coverage for companies utilizing dump trucks to transport materials such as dirt, sand, and gravel, either locally or over long distances. Obtain a tailored dump truck insurance to suit your specific needs and business structure, we offer:

Liability Insurance: This coverage includes bodily injury and property damage.

Vehicle Liability Insurance: Protects against injuries to others or damage to their property if you’re at fault for an accident.

Independent and leased truckers can access additional motor carrier insurance coverages, such as:

Physical Damage: Covers repair costs for your truck following an accident.

Medical Payments: Pays for medical bills for you and any passengers injured in an accident or auto-related injury.

Uninsured Motorist: Includes injuries and damage caused by an uninsured or underinsured driver to you, your passengers, and your vehicle.

Motor Truck Cargo: Covers damages to your transported cargo.

Costs depend on various factors, including USDOT authority, coverage requirements, vehicle ownership, cargo, operating radius, and driving history.

Start a quote today to get the best insurance for you.

Protect your business against financial losses arising from accidents, property damage, professional mistakes, workers’ compensation claims, and other scenarios. Business insurance allows you to mitigate the adverse effects of claims filed against your business.

Business insurance options

General Liability: Also known as “business insurance,” protects your business against third-party claims that arise from your business operations.

Commercial Auto: It provides liability and physical damage protection for your business vehicles, if you use them for business like traveling to job sites or making deliveries.

Professional Liability: Also known as Errors and Omissions insurance (E&O), protects businesses that offer professional services or advice against claims of professional negligence.

Workers’ Compensation: Helps you pay for expenses, such as medical costs and lost wages, related to employees who become injured or ill on the job.

Business Owners Policy (BOP): For small businesses with commercial buildings or personal property, this coverage packages business liability and property coverage into one policy.

Cyber Insurance: Offers protection against electronic threats, such as data breaches. Ideal for businesses that store or process sensitive data, like credit card info.

The expenses for business insurance depend on factors like your industry and the particular types of tasks you undertake. A tailored policy encompasses the specific coverages you require, with limits that align with your distinct needs.

We also offer

Personalize your policy with the coverages that are right for you.

Liquor liability insurance: Coverage for businesses that make, sell or serve alcoholic beverages.

Inland marine insurance:  It protects items, such as tools, equipment and other goods, while in transit over land or stored away from your business.

Employment practices liability insurance: Safeguards businesses against claims related to employee discrimination, sexual harassment and wrongful termination.

Rideshare insurance: Designed to bridge the coverage gaps that exist between the insurance offered by ridesharing companies such as Uber or Lyft for their drivers and the drivers’ personal insurance policies.

Commercial property insurance: Offered as part of a BOP, covers commercial buildings and the moveable property your business owns and keeps onsite.

Excess and surplus lines insurance: Also known as E&S insurance, for high-risk professions unable to secure general liability coverage in the admitted market.

Employee pet insurance benefit: Voluntary benefit that can help cover medical expenses for your employees’ pets.

Health insurance: Enables your business to provide high-quality medical care to both your employees and their dependents.

What you need to know about business insurance

Business insurance encompasses specific protections tailored to safeguard a small business, and the extent of your coverage is contingent on the particular policies you choose to carry.

The necessary coverages vary based on your individual circumstances, but almost all businesses should contemplate general liability coverage.

Lack of insurance could lead to challenging affordability issues with medical expenses and legal fees. Business insurance serves as a preventative measure against such financial setbacks.

For sole proprietors, business insurance is crucial as they bear responsibility for their business’s debts. Regardless of your business’s size, it’s essential to anticipate the potential financial repercussions of accidents.

Homeowners insurance does not extend to cover tools, equipment, and inventory utilized for business purposes. To protect these items, a business owners policy (BOP) can provide the necessary coverage.

Contact us to get protection and start a business insurance quote.

Make an investment for your happiness and future with condominium insurance. Condo insurance provides coverage in cases of fire, theft and other covered losses.

Personalized Coverage for Condo Owners

Condo owners have different needs than renters and single-family homeowners. With condo insurance you can tailor your coverage for your particular needs. Some of the coverages we offer are:

Personal Property: protection for your household belongings in case of fire, theft, or other covered incidents.

Improvements: coverage for enhancements you’ve made, such as cabinets, flooring, and lighting, as well as other independent structures not covered by your condo association’s policy.

Loss Assessment: additional coverage if your condo association imposes an assessment on each owner for common area repairs after a covered incident.

Additional Living Expenses: coverage for living costs if your condo becomes uninhabitable due to a covered incident.

Personal Liability Protection: covers bodily injury or property damage caused to others due to a covered incident.

Guest Medical Protection: covers medical expenses for guests accidentally injured on your property.

Workers’ Comp Coverage: covers medical expenses for your personal part-time employees, like nannies or maids.

Condos Rented to Others: provides liability and contents coverage for your condo when rented to others.

Contact our agents for more information about condo insurance and start a free quote.

Protect your business from significant financial liabilities resulting from work-related accidents. Contractors, subcontractors, and independent tradespeople should carry commercial insurance. Coverage includes:

General Liability: Provides coverage if your business is liable for injuries, property damage, or faulty work.

Commercial Auto: Protects vehicles used for work or to transport tools and materials.

Additional coverages contractors might need

Business Owners Policy (BOP): Combines contractors’ liability with coverage for personal property and commercial buildings.

Workers’ Compensation: Protects employees in case of illness or injury while at work.

Contact us and get your quote for contractors insurance today.

NEMT insurance is a type of for-hire livery coverage designed to safeguard business vehicles used for transporting patients to medical appointments on a pre-arranged basis.

NEMT businesses are typically compensated by Medicaid or medical service providers.

Requirements for NEMT insurance include considerations such as the vehicle’s age and seating capacity, the age of drivers, vehicle features (some equipment may be prohibited), and safety equipment and written procedures, especially for vehicles with wheelchair access.

Call us today to speak with a licensed agent.