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Insurance Products

Specialized Industries

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Agriculture Insurance

agriculture Agriculture coverages include: Actual Production History, Adjusted Gross Revenue Insurance, Adjusted Gross Revenue Insurance Lite, Crop Revenue Coverage, Group Risk Income Protection, Revenue Assurance, and Fall Harvest Price Option. Actual Production History(APH) coverage is the most popular product of the crop insurance policies. Often called “Multi-Peril Crop Insurance” or MPCI, it provides protection against a loss in yield due to natural causes. For most crops, this includes drought, excess moisture, cold and frost, wind, flood and unavoidable damage from insects and plant disease. APH plan guarantees a yield based on the producer’s actual production history. If the production is less than the yield guarantee, the insured will be paid a loss. Agribusiness Insurance is designed to protect you, your family, and your business from a broad range of potential hazards you face in your day-to-day operations. We recognize that each structure of the many aspects of marine businesses carries it own set of challenges which is why we believe in one-on-one consultations. We will ask a broad range of questions about your business to better understand the risks you face as well as the assets you are looking to protect, and offer clear advice in selecting a policy from a reputable service-oriented provider. Our approach is very different from what you may experience from a direct underwriter, especially one who provides quick quotes online. We build close relationships with our clients to allow us to foresee their ever-changing needs. Please give us a call for a free consultation.

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Aviation Insurance

aviation Airline hull “All Risks” policies are subject to a standard level of deductible, that is an uninsured amount borne by the Insured, to be applied in the event of partial, non-total, loss. Deductibles can also be reduced by means of a separate “Deductible Insurance” policy. The vast majority of airline hull “all risks” policies are arranged on an “Agreed Value Basis”. This provides that the Insurers agree with the Insured, for the policy period, the value of the aircraft, in the event of total loss, is payable in full. Under an Agreed Value policy the replacement option is deleted. Exclusions: 1. Wear and tear, and gradual deterioration 2. Ingestion damage 3. Mechanical Breakdown. Under most “Hull” policies the word “Aircraft” means Hulls, machinery, instruments and the entire equipment of the aircraft, including parts removed but not replaced. Once a part is replaced it is no longer, from an insurance point of view, part of the aircraft. General Liabilities covers premises, hangar keepers and products liability and is called “Airline General Third Party”. Most policies are placed on a Combined Single Limit Basis, meaning Bodily Injury and Property Damage are combined. Aviation Insurance is designed to protect you, your family, your business and your aircraft from a broad range of hazards encountered everyday in the industry. We believe that every situation is different which is why we believe in one-on-one consultations. We will ask a broad range of questions about your aircraft, and its applications to better understand the risks you face, as well as the assets you are looking to protect, and offer clear advice in selecting a policy from a reputable and service oriented insurer. Our approach is very different from what you may experience from a direct underwriter, especially one who provides quick quotes online. We build close relationships with our clients to allow us to foresee their ever-changing needs. Please give us a call for a free consultation.

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Boiler and Machinery

boiler Boiler and machinery insurance is not applicable only to boilers, but any machine that generates electrical power such as: generators, motors etc. Boiler and machinery insurance typcially covers the damage to not just the machine, but also to the surrounding area through explosions, fire etc. Why Opt for Who Needs Boiler and Machinery Insurance? Businesses that use electrical or mechanical devices which could cause harm to persons or property in their vacinity in the event of a malfunction or explosion. Boiler and Machinery Insurance is designed to protect you, your family, and your business from a broad range of potential hazards associated with commercial equipment. We recognize that each business structure and culture is different which is why we believe in one-on-one consultations. We will ask a broad range of questions about your business, and its applications to better understand the risks you face, as well as the assets you are looking to protect, and offer clear advice in selecting a policy from a reputable and service oriented excess casualty insurer. Our approach is very different from what you may experience from a direct underwriter, especially one who provides quick quotes online. We build close relationships with our clients to allow us to foresee their ever-changing needs. Please give us a call for a free consultation.

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Construction

Copy of construction Buildings are subject to many different risks while under construction. They may catch fire, be damaged by high winds, or fall victim to other force majeure. A principle of common law is that any new construction or other improvement to land becomes property of the owner of the land - the title holder - once there has been an "improvement" to the owner's site. The general contractor may be responsible for any losses caused by his own negligence, but the owner is responsible for most other losses. Builder's risk insurance indemnifies against some of these losses. Coverage typically indemnifies against losses due to fire, vandalism, lightning, wind, and similar forces. It usually does not cover earthquake, flood, acts of war, or intentional acts of the owner. Who buys builder's risk insurance? The owner of the building or the general contractor. Builders Risk Insurance is designed to protect you, your family, and your home from a broad range of potential hazards you face in the construction of your new home. We recognize that each construction project carries its own set of challenges, which is why we believe in a one-on-one consultation. We will ask a broad range of questions about your home construction to better understand the risks you face, as well as the assets you are looking to protect, and offer clear advice in selecting a policy from a reputable and service oriented excess casualty insurer. Our approach is very different from what you may experience from a direct underwriter, especially one who provides quick quotes online. We build close relationships with our clients to allow us to foresee their ever-changing needs. Please give us a call for a free consultation.

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Excess Casualty

excessCasualty Excess casualty insurance is designed to cover events that happened when the policy was in force but that may not be discovered until years later. That means a customer's coverage is only as good as the ability of the insurer to stay in business and be around when a claim is finally made. Excess casualty coverage is the one lifeline that may protect a business when that low frequency, high-severity incident comes along that is difficult to foresee and even more problematic to avoid. Excess Casualty Insurance is designed to protect you, your family, and your business from a broad range of potential hazards you face in your day-to-day operations, as well as from unforeseen lawsuits. We recognize that there are a growing number of lawsuits in this country, and that standard liability policies only reach so far, which is why we believe in a one-on-one consultation to provide you with an affordable supplement to your exiting policies. We will ask a broad range of questions about your business to better understand the risks you face as well as the assets you are looking to protect, and offer clear advice in selecting a policy from a reputable and service oriented excess casualty insurer. Our approach is very different from what you may experience from a direct underwriter, especially one who provides quick quotes online. We build close relationships with our clients to allow us to foresee their ever-changing needs. Please give us a call for a free consultation.

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Inland and Cargo

inland Cargo insurance is usually written on an open contract basis under which shipments, both incoming and outgoing, are automatically covered for the interests of the shipper. Exclusions from coverage: “All risk” policies are almost always qualified by a clause that reads “except as otherwise provided.” Exclusions to coverage are usually listed in the “endorsements” section, and may include everything from damage resulting from a worker’ strike to radioactive contamination. Door to door: Be sure that the entire trip is covered from departure door to arrival door. Some policies will insure you only until delivery at port. What happens if your cargo is stolen from the pier? Also keep in mind that some countries do not offer inland coverage. Inland marine insurance is the term used for insurance that covers domestic shipments. Premiums are typically paid periodically (quarterly, annually), and all domestic shipments made within the covered time frame are normally covered. The only reporting is in the form of eligible claims. Inland and Cargo Insurances are designed to protect you, your family, and your business from a broad range of potential hazards you face in your day-to-day operations. We recognize that each marine shipping business carries its own set of challenges which is why we believe in one-on-one consultations. We will ask a broad range of questions about your business to better understand the risks you face as well as the assets you are looking to protect, and offer clear advice in choosing a policy from a reputable and service oriented insurer. Our approach is very different from what you may experience from a direct underwriter, especially one who provides quick quotes online. We build close relationships with our clients to allow us to foresee their ever-changing needs. Please give us a call for a free consultation.

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Ocean Marine

oceanmarine Includes coverage for bodily injury and property damage liability however, excluded under a standard ocean marine Insurance policy. Coverage includes protection of wharfs, docks, and harbors; bodily injury; cost of removing the wreck if ship is sunk; and the cost of disinfecting and quarantining a ship. Ocean Marine Insurance is designed to protect you, your family, and your business from a broad range of potential hazards you face in your day-to-day operations. We recognize that each structure of the many aspects of marine businesses carries it own set of challenges which is why we believe in one-on-one consultations. We will ask a broad range of questions about your business to better understand the risks you face as well as the assets you are looking to protect, and offer clear advice in selecting a policy from a reputable service-oriented provider. Our approach is very different from what you may experience from a direct underwriter, especially one who provides quick quotes online. We build close relationships with our clients to allow us to foresee their ever-changing needs. Please give us a call for a free consultation.

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Oil and Gas

Oil and Gas Industry Insurance The Oil and Gas industries face unique challenges. Several coverages exist for all aspects of the production and delivery including: exploration, production; facility, Site Closure & Decommissioning, project development and project construction. Oil and Gas Insurance is designed to protect you, your family, and your business from a broad range of potential hazards you face in your day to day operations. We recognize that each phase of the industry, and each structure and culture carries its own set of challenges, which is why we believe in on-on-one consultations. We will ask a broad range of questions about your particular aspect in the oil and gas industry to better understand the risks you face as well as the assets you are looking to protect, and offer clear advice in selecting a policy from a reputable and service-oriented provider. Our approach is very different from what you may experience from a direct underwriter, especially one who provides quick quotes online. We build close relationships with our clients to allow us to foresee their ever-changing needs. Please give us a call for a free consultation.

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Public Sector

public Public Sector Insurance is designed for the unique coverage challenges municipalities face. Areas to be covered include: Enhanced Property and Liability, Law Enforcement and Public officials Liability, Commercial Auto Municipal Amendment Coverage Enhancement, Accident Insurance for Volunteer Workers, and Worker’s Compensation.Public Sector Insurance is designed to protect the assets of a municipality, and its employees and volunteers from a broad range of potential hazards faced in day-to-day operation. We recognize that each town and city structure and culture carries its own set of unique challenges, which is why we believe in one-on-one consultations. We will ask a broad range of questions about your municipal business and goals to better understand the risks you face as well as the assets you are looking to protect, and offer clear advice in selecting a policy from a reputable and service-oriented provider. Our approach is different from what you may experience from a direct underwriter, especially one who provides quick quotes online. We build close relationships with our clients to allow us to foresee their ever-changing needs. Please give us a call for a free consultation.

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Technology Insurance

Insurance for Technology companies Technology and Internet companies face unique challenges which require a broad range of coverages such as: Erros and Ommissions (E&O), Patent or Copyright infringement and professional liability coverage. We can tailor a solution to protect your most valuable assets. Errors and Omission policies provide general liability insurance for IT professionals, computer consultants, and programmers. We recognize that choosing the right insurance solution for products, and risk management, carries its own set of unique challenges, which is why we believe in one-on-one consultations. We will ask you a broad range of questions about your business to better understand the risks you face, as well as the assets you are looking to protect, and we will offer clear advice in selecting a policy from a reputable and service-oriented provider. Our approach is very different from what you may experience from a direct underwriter, especially from one who provides quick quotes online. We build close relationships with our clients to allow us to foresee their ever-changing needs. Please give us a call for a free consultation.

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