Industries We Serve
Hospitality and Recreation
Hotel Casinos and Gaming
Insurance for hotel casinos and gaming establishments often includes property damage coverage for gaming equipment and facilities, liability insurance for guest incidents, and business interruption insurance to protect against losses from unforeseen closures
Sports Complexes
Coverage for sports complexes typically involves liability insurance for injuries, property insurance for equipment and facilities, and event cancellation insurance for unforeseen disruptions to scheduled activities
Golf Clubs
Golf club insurance generally includes property damage coverage for grounds and facilities, liability insurance for member and guest injuries, and environmental liability coverage for the maintenance of greens and water bodies
Hotels and Resorts
Insurance for hotels and resorts usually encompasses comprehensive property damage coverage, general liability insurance, business interruption insurance, and specific policies for guest belongings and amenities
Restaurants and Breweries
Coverage for restaurants and breweries often includes property insurance for equipment and facilities, liability insurance for foodborne illnesses and customer injuries, liquor liability insurance, and business interruption insurance
Marinas and Yacht Clubs
Marinas and yacht clubs require insurance that covers property damage to docks and club facilities, liability for member and guest injuries, pollution liability for environmental damage, and coverage for boats in their care
Bowling Centers
Insurance for bowling centers typically includes property insurance for lanes and equipment, liability insurance for customer injuries, and business interruption insurance to protect against revenue loss due to unforeseen closures
Auto Dealers
New Franchised Auto Dealer
Insurance for new franchised auto dealers typically covers inventory loss or damage, liability for customer incidents on premises, errors and omissions in the sales process, and coverage for the repair services and parts departments. It's tailored to protect dealerships affiliated with a manufacturer, ensuring both the high-value new vehicles and the dealership operations are safeguarded against various risks
Used Franchised Auto Dealer
This insurance provides similar protections as those for new franchised dealers but is customized for the unique risks associated with selling used vehicles. Coverage includes inventory loss, liability for customer incidents, and errors and omissions, with additional focus on potential issues related to the condition and history of used cars
New Non-Franchised Auto Dealer
Designed for dealers selling new vehicles without a direct manufacturer affiliation, this insurance covers inventory damage or loss, general liability, and errors and omissions in sales. Policies are crafted to meet the specific needs of independent dealerships handling new cars, including protection for diverse inventory and operations
Used Non-Franchised Auto Dealer
Tailored for independent dealers specializing in used vehicles, this insurance covers inventory loss, general liability, and errors and omissions, with particular attention to the challenges of selling pre-owned vehicles. It aims to protect dealers from the risks associated with vehicle history, condition, and the varied sources of used cars
Real Estate
Commercial Office Locations
Insurance for commercial office locations covers property damage, liability for injuries on the premises, business interruption, and potentially specific policies for tenant-related risks. Coverage can be tailored for various areas, ensuring protection against local risks like natural disasters or urban-specific issues
Multi-family properties
This insurance encompasses liability for resident injuries, property damage coverage for buildings, loss of income insurance, and might include specific coverage for different types of multi-family properties such as Section 8 housing, student and senior living, condominiums, HOAs, and properties under third-party management
Retail locations
Coverage for retail and mixed-use properties typically includes property damage, liability insurance, loss of income, and sometimes specific endorsements for business interruption due to utility failures or damage to key attractions. It's designed to cater to the unique operational risks of retail environments, including customer traffic and mixed-residential use
Single-Family Home communities
nsurance for single-family home communities might include liability coverage for common areas, property damage for community-owned structures, and specialized policies for various ownership structures. It provides a safety net for homeowners associations and community managers, covering shared amenities and community events
Manufactured Housing
Manufactured housing insurance covers property damage, liability risks, and may include coverage for moving and setup. It's specifically designed to address the unique aspects of manufactured or mobile homes, including their transportability and the communities they are often situated in
Single Family Real Estate Portfolio
This insurance is designed for investors or managers of multiple single-family properties, offering bundled coverage that includes property damage, liability, loss of rental income, and possibly coverage for renovation risks. It simplifies the management of insurance needs across a portfolio, providing a comprehensive protection strategy for real estate investments
Professional Services
Health Care
Insurance for healthcare providers covers a broad range of needs, from malpractice liability, which protects against claims of professional negligence, to property insurance for clinics and offices. Coverage also extends to data breach insurance, given the sensitive nature of patient records, and workers' compensation for employees.
Architects and Engineers
Professional liability insurance is crucial for architects and engineers, protecting against claims of errors and omissions in their work. Policies may also include property insurance for office equipment, general liability to cover injuries or property damage, and business interruption insurance.
Attorneys
Law firms need professional liability insurance to guard against legal malpractice claims. Comprehensive policies also include general liability, property insurance for office spaces and contents, and cyber liability insurance to protect confidential client information.
Consultants
Insurance for consultants often focuses on professional liability (errors and omissions) coverage, protecting against claims of providing inadequate advice or services. Additional coverages can include general liability, property insurance for their office space and equipment, and cyber liability for data protection.
Accountants
Accountants require professional liability insurance to protect against claims related to financial oversight or tax preparation errors. Other necessary coverages include general liability, property insurance for their office and equipment, and cyber liability insurance, given the sensitive financial data they handle.
