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Commercial Products

Business Owner Policy Workers Compensation
  Commercial Property Cyber Liability
Commercial Auto Umbrella / Excess Liability
General Liability Flood


Business Owner Policy (BOP)

Business Owner Policy (BOP) an insurance package that assembles the basic coverages required by a business owner in one bundle.  The policy provides many types of coverage’s such as liability, property, business interruption, crime and non-owned / hired auto liability without requiring separate polices. BOPs are available for small to medium sized businesses and can offer specialized coverages for unique industries, e.g., restaurants, accountants, retailers, etc.

Commercial Property

Commercial Property Protects against physical damage to buildings, contents, stock, and equipment. The terms and conditions of coverage are determined by the limit of insurance chosen by the policyholder. The limit is based on the items that the policyholder wishes to insure; i.e., buildings, stock, machinery, valuable papers, etc.

Commercial Auto

Commercial Auto A type of insurance which protects the insured against losses involving automobiles and trucks. Different coverages may be included including the liability coverages of Bodily Injury, Property Damage, Medical Payments, Personal Injury Protection and Uninsured Motorist, and the Physical Damage coverages of Collision and Comprehensive.

General Liability

General Liability insurance is designed to protect business owners and operators from a wide variety of liability exposures. Exposures could include liability arising from accidents resulting from the insured's premises or operations, products sold by the insured, operations completed by the insured, and contractual liability.

Worker's Compensation

Workers Compensation Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Cyber Liability

Cyber Liability is composed of two defined risks:

  1. Security Liability is the unauthorized access/use of a network including laptops. Employees or trusted third parties with access into the network can steal identity information, critical business information, transmit malicious code, and participate in a denial of service attack against your network or the network of others. This risk includes paper documents, as well as electronic data.
  2. Privacy Liability is the violation of privacy laws or regulations that permit individuals to control the collection, access, transmission, use, and accuracy of their personally identifiable medical and/or financial information. The most serious civil and regulatory exposure surrounds personally identifiable non-public information; however there are risks associated with disclosure or theft of confidential corporate data of others.

Management of data protection risks involves brand and reputation risks, financial costs, and operational challenges.

Umbrella / Excess Liability

Umbrella Insurance - Umbrella insurance is designed to give added liability protection above and beyond the limits of other insurance policies such as general liability, employers liability and auto liability.


Commercial Flood denotes specific insurance coverage against property loss from flooding. To determine risk factors for specific properties, insurers will often refer to topographical maps that denote lowlands and flood plains that are susceptible to flooding. Coverage for flood damage is available from the federal government under the National Flood Insurance Program but is sold by licensed insurance agents. Flood coverage is excluded under many commercial property policies.


Bonds also know as surety. A bond promises to pay one party (the obligee) a certain amount if a second party (the principal) fails to meet some obligation, such as fulfilling the terms of a contract. Bonds of various types guarantee a payment or a reimbursement for financial losses resulting from dishonesty, failure to perform and other acts.

CBR Insurance

CBR Insurance