Fire Sprinkler and suppression contractors pose a complicated insurance risk that require special attention to policy coverages and other risk management practices. Our long time experience in this niche industry will allow us to put together the most cost effective insurance program for you. Over the years some specialized topics that need to be carefully reviewed include:

Professional Liability

Pollution Liability

Installation Floater

General Liability

Claims Made vs. Occurrence Form

Per Occurrence vs. Per Claim Deductibles

Residential Exclusions

Mold Exclusions

The aging regional population has greatly expanded the need for Home Health Care Agencies to care for the elderly. These agencies can pose a special kind of risk that needs special consideration. Some topics and coverages that need to be addressed are below that we can assist you with:

General & Professional Liability

Claims Made vs. Occurrence Forms

Hired & Non Owned Auto Liability

Theft of Clients Property

Cyber & HIPPA Liability Coverage

Employment Practices Liability

Workers Compensation Rates

The Printing Business can sometimes seem like it would be a straightforward risk. However given our decades long experience with this industry we have been able to work with our clients to help mitigate some unforeseen risks with specialized coverages such as:

Printers Errors & Omissions

Correction of Work Coverage

Equipment Breakdown

Over the last 20 years we have specialized in insurance for Labor Unions. We offer the specially designed insurance products tailored for Locals and Trust Fund’s offices along with Joint Apprenticeship Training Committees. In addition to the standard coverages of workers compensation, commercial auto, commercial package and umbrella, we have access to numerous carriers that specialize in the unique union exposure such as:

Fiduciary Liability

ERISA Bonds

Directors & Officers

Union Liability

JATC Educators Liability

Waiver of Recourse

Scrap Metal Dealers and recycling facilities pose a unique risk. These unique risks need specialized programs to meet these needs. Allow us to review your program to make sure you have the unique coverage as mentioned below. Please reach out to any one of our licensed agents for immediate assistance.

Impaired Property Coverage: Liability caused by the insured property.

Conversion Property Coverage: The unknowing acquisition of stock from a seller who had no legal title to the stock.

Equipment Breakdown: Property coverage for shredders and heavy duty processing equipment.

Pollution Transportation Liability: Coverage for the transport of hazardous materials.

As an Apartment Building & Condo association owner, being able to determine your risk for property and liability losses can be exhausting. There are a number of things to consider besides bodily injury to others, property damage liability and property perils such as a fire, water damage from leaking pipes, and storm related damages. Below are some examples that you may not think of when it comes to coverage. Let us review your policies and help you understand potential gaps in coverage.

Business Income: If you have a loss, there’s a good chance that your tenants will be affected and have to move somewhere temporarily until the building is repaired. This means they won’t be paying rent, which puts a big dent in your revenue stream. If you have the right business income coverage, you won’t have to worry. The insurance company will reimburse you for normal and sometimes extra expenses incurred as a result of the covered loss and loss of income.

Ordinance & Law: This is extra coverage in addition to fire insurance that protects policyholders in the event that certain laws and ordinances are requiring you install new items in the building that were not there previously. For example, if your building did not have a sprinkler system before the loss but now is required to have one due to local ordinances, this coverage would provide you the means to install a sprinkler system at little to no cost out of your pocket. Other examples could include handicap ramps and certain electrical ordinances, so its best to check with you local municipality to find out more.

While Contractors Insurance may seem pretty straight forward there are some coverages and needs that can be unforeseen depending upon your risk attribute. Below we have explored some types of coverage. Please reach out to any one of our licensed agents for immediate assistance.

Installation Floater: Covers your material at jobsite awaiting installation.

Equipment Floater Schedule: Covers your specific equipment that is used away from your premises at various other job sites.

Additional Insured Wording: Endorsements that require you to additionally insure contracted parties. This can be endorsements that you provide to others or that you should require of your subcontractors.