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Lines of Business
Businesses in particular face a wide variety of insurance challenges, which is why Assurance Partners has developed an expansive list of business services to address the unique challenges your company faces everyday, including:
- Property insurance is any type of insurance that indemnifies an insured party who suffers a financial loss because property has been damaged or destroyed. It is the primary way to insure your buildings, contents, stock and equipment against direct loss and the loss of its income-producing ability. Available coverage includes protection for loss caused by an insured peril. Policies will vary but each contains provisions that outline the scope of coverage provided under the form. Some of these provisions apply to both building and personal property exposures and, as such, should be reviewed as part of your overall risk management program.
- GENERAL LIABILITY
- This type of policy protects your business from claims arising from your legal liability for injury or damages to other people or their property. There is a very broad range of possible liability exposures such as bodily injury, property damage, personal injury, advertising injury, liquor liability, products, completed operations, and medical payments.
- Automobile insurance can provide a combination of liability and physical damage protection for vehicles owned, maintained, or used by you. Additional coverages such as uninsured/underinsured motorists, personal injury protection and medical payments can be purchased to customize the policy to fit your particular needs.
- WORKERS COMPENSATION
- State law requires that every employer provide workers compensation insurance for their employees. This insurance provides coverage for accidents or disease arising from employment as prescribed by these state laws. Benefits can include lost wages, medical expenses, and partial and permanent disfigurement/disability payments. Additional coverages can be added to ensure that adequate protection is being provided for your particular situation
- This policy provides protection against catastrophic liability claims. The policy acts as an excess coverage over your primary liability policies. Primary policies might include General Liability, Auto Liability and Employers Liability. Its limits apply in addition to that provided by the underlying coverage.
- MANAGEMENT & PROFESSIONAL LIABILITY
- This coverage is used to insure against claims arising out of negligent acts, errors or omissions in rendering or failing to render professional services or advice as defined in the policy. Most often the coverage is limited to economic loss rather than bodily injury or property damage. Examples include Directors & Officers Liability, Errors & Omissions Liability, Professional Liability, Employment Practices Liability, Educators Legal Liability, and Fiduciary Liability.
- INLAND MARINE
- Inland Marine insurance covers property that your business transports on land. The most important thing to remember about insuring your property and equipment is the location where it will be stored or used. Under the definition of a standard property insurance policy, property and equipment are only insured within 100 feet of the insured’s premises. So, if a loss occurs to property or equipment that is over 100 feet away from the premises there may be no coverage for them. That is where Inland Marine coverage kicks in. With Inland Marine, you can insure a wide variety of property, goods, and equipment in different ways. Whether you are driving home late at night with accounts receivable records in your truck or delivering goods via van to a customer, your business most likely needs the protection offered by this coverage.
- BUSINESS PERPETUATION
- Business Perpetuation planning is a process to continue the existence of a business at the retirement, death or disability of the current leadership. Having an effective plan in place can prevent many problems that typically arise when no ownership succession has been planned for in advance. The purpose of this plan is to eliminate confusion and uncertainty. A business perpetuation plan may include a buy-sell agreement that specifies who will purchase a business and how they will pay for it. Life insurance is often an integral part of a successful perpetuation plan so that liquidity will be available to fund the purchase of the terminating owner’s interest.
- GROUP BENEFITS
- Any insurance plan under which a number of employees and their dependents are insured under a single policy, issued to their employer, with individual certificates given to each insured employee. The most commonly written lines are life, health and accident (AD&D). Other available options include Dental, Vision, Disability, Major Medical and Prescription Drugs.
- SURETY BONDS
- Protection provided by a bond is not insurance. Coverage under an insurance policy involves a two-party agreement whereas in a bond, it is a three-party agreement. The person who pays the premium, known as a principal, is bonded for an action by a surety for the benefit of a third party, commonly called an obligee. Underwriting is based on the financial strength of the principal.
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