Direct Loss to buildings, fixtures, equipment, etc.
  • Coverage for attached and detached signs
  • Spoilage of product and inventory
  • Business Personal Property including but not limited to furniture, small ware, food & liquor inventory, and computer & point of sale equipment
  • Tenants leasehold improvements & betterments
  • Business Income to replace continued expenses and lost profits while the business is closed for a covered loss


  • Theft
  • Employee Dishonesty
  • Computer Fraud
  • Credit Card Forgery or slip theft
  • Property on premise and away from premise

Commercial General Liability

  • Completed Product Liability
  • Advertising inury
  • Bodily injury or Property Damage liability arising out of your business locations or operations
  • Medical Expenses incurred from an accident on your premise

Liquor Liability (Dram Insurance)

  • Legal Defense for Third Party Lawsuits or Claims
  • Assault and Battery included or excluded
  • Limits of insurance starting as low as $300,000 up to $2,000,000 or greater


  • Provides an additional layer of protection for lawsuits
  • Limits available for most customers up to $10,000,000
  • Liquor Liability can be included in the umbrella policy

Food Borne Illness - Trade Name Restoration

  • Covers lost revenue which occurs as a result of a food borne outbreak
  • Food Borne Illnesses include but are not limited to:
    Salmonella, E-Coli, Hepatitis A, Norovirus, Accidental Contamination, and Malicious Contamination by employee or customer

Workers' Compensation

  • Medical expenses and lost wages incurred from an employee accident on your premise

Employment Practices Liability

  • Wrongful Termination
  • Discrimination
  • Sexual Harassment
  • Third Party Suits

Special Services Available

  • Claims Third Party Administration
  • Risk Management
  • Loss Control
  • Certificate Review and collection for Franchise Groups