Property & Casualty Insurance

Garage liability will cover your dealership for claims due to bodily injury or property damage resulting from your premises operations, the work you perform, or the products you sell. Also the vehicles in the dealer’s care, custody, or control.

General liability includes bodily injury coverage for customers injured on your property and costumer’s property damaged while in your possession. General liability also provides financial protection for errors advertising.

Workers compensation protects both the dealer and employees after a work-related injury or illness. For the employee, it provides medical care and lost wages. For the employer it provides a sole remedy, avoiding expensive civil litigation. 

Physical Damage or Dealer’s Open Lot / Floor Plan Coverage, insures for loss to vehicle inventory by theft, collision, vandalism, fire and weather.  This coverage is often required by lenders and floor planners under the terms of their contracts. Coverage can also be added to cover false pretense claims or if a vehicles purchase a vehicle under false pretense.

Protects all property vital to the daily operation of the business, extending not only to buildings, stores, and offices but also equipment, furniture, inventory and any other physical assets important to the company. Commercial property insurance can cover a variety of losses including building, business personal property, property of others, business income, inland marine, and cargo.

A commercial crime policy typically provides several different types of crime coverage, such as: employee dishonesty coverage; forgery or alteration coverage; computer fraud coverage; funds transfer fraud coverage; kidnap, ransom, or extortion coverage; money and securities coverage; and money orders and counterfeit money coverage

 Employment Practices Liability Insurance ( EPLI ) a type of liability insurance covering wrongful acts arising from the employment process. The most frequent types of claims covered under such policies include: wrongful termination, discrimination, sexual harassment, and retaliation 

Cyber-insurance is a specialty lines insurance product intended to protect businesses, and individuals providing services for such businesses, from Internet-based risks, and more generally from risks relating to information technology infrastructure, information privacy, information governance liability, and activities related thereto. 

A commercial Umbrella Liability Policy supplements your existing policy's general liability, auto liability, and employer's liability limits. With an umbrella policy limits are increased in excess of standard primary policies limits.

 Protect your dealership’s bottom line from losses due to negligent errors and omissions regarding vehicle history reports, lease contracts, and more. 

Offering health benefits is a major decision for businesses. We can help you compare coverage options, like HRAs and group health plans beneficial for you and your  employees and families