WE UNDERSTAND YOUR BUSINESS

You're a successful contractor. You've made a substantial investment in tools, equipment and building materials. You often rely on others to help you complete a job. You're used to unforeseen complications that can interrupt schedules.

But how well do you know the risks you face? What if there's an accident on the site? Destruction of on-site equipment? Could you recover from the unexpected? Is your business - and your family - protected against catastrophic loss, accidents, liability claims or loss of income?

THE PROFESSIONAL INSURANCE REVIEW

Today's contractors need flexible, tailored insurance coverage that addresses specific exposures and goals. Satisfying this need is not just a matter of calling an 800 number or getting a quote on a Web site.

We understand the unique issues contractors face. Drawing on long experience, a local presence, a comprehensive portfolio of products and the commitment of our people, we can help you manage the risks of day-to-day commerce. And we can help you recover from misfortune and keep your business intact until the day you decide to sell it or pass it on to the next generation.

PROTECTION YOU NEED

Our policies contain valuable coverage and features for your contracting needs. And since your time is money, we promptly issue certificates of insurance and offer broadened coverage for additional insureds so you can get started on the job.

Property

Tools, equipment and building materials, whether on or off premises or in transit
Property of others while in your care, custody or control
Property in transit or temporarily off premises
Valuable papers and records, including electronic or magnetic media
Newly acquired property
Money and securities on and off premises
Peak season coverage

Liability

Premises and Operation
Products/Completed Operations
Personal Injury
Advertising Injury
Fire Legal Liability
Contractual

Loss of Income Protection

Up to 12 months of business income
Paid extra expenses needed to resume normal business operations

Protecting You

You are your business's primary asset. You may want to make sure your family members can pay bills and maintain their lifestyles should you fall ill or become injured:

Disability Income

Life Insurance

Retirement Funding

COVERAGE YOU NEED

A successful business is able to eather constant change. As your business grows, it's important to make sure your coverage's match the structure of your business. Depending on your exact business needs, you may want to include special optional coverage's in your policy to address your specific needs:

Commercial Automobile
Commercial General Liability
Umbrella Coverage
Hired or Non-owned Auto
Mechanical Failure
Employee Dishonesty
Glass Coverage
Outdoor Signs
Accounts Receivable
Valuable Papers and Records
Earthquake
Worker's Compensation
Health Benefits

EASY TO DO BUSINESS WITH

We know that every business is unique and every situation is different. That's why we provide many special features to make your business run smoothly:

Payment Plans that enable you to spread your premium payments to free up capital
Electronic Funds Transfer with any billing plan
Premium Discounts that lower your payments with credits for qualified security systems
Professional Insurance Reviews conducted to help you make sure your coverage's match the structure of your business today.

QUICK CLAIMS PROCESSING

How well do you know the risks you face? If you do suffer a loss or file a claim, claim adjusters stand ready to provide the responsiveness, hassle-free services that makes a difference in your time of need.