Antique Store Insurance | Get A Free Business Insurance Quote

Antique & Vintage Store Insurance Programantique-vintage-shop-insurance

An Antique shop is a retail operation that is involved in selling and buying rare and collectible items. Items can include a variety of things, such as furniture, fixtures, pottery, lamps, paintings and other items. Some operations may also do auctions, have an online presence, and conduct special events. Antique stores will usually have staff, that is very knowledgeable in certain areas of expertise.

Our Business Owners Policies Go Above And Beyond The Industry Standard

We pride ourselves with our company’s insurance products. We know our policies have comprehensive coverage, which most insurance policies do not have.  Take a look at a break down of coverage we offer.

  • General Liability
  • Building
  • Business Property
  • Inventory Coverage
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • Special Events Coverage
  • Abuse & Molestation

For more details on our Business Owners Policies, Please Click Here.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

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Auto Parts Store Insurance | Get A Free Business Insurance Quote

Auto Parts Store Insurance Programauto-parts-store-insurance

An Auto Parts Store can sell a variety of parts for cars, pick up’s, big rigs, trucks, SUV’s, motorcycles, scooters and etc. Operations usually include more than fifty percent of the inventory being parts, and more than fifty percent of total sales being retail. Some operations may include delivery directly to consumers, and also to commercial operations such as dealerships. Sometimes Auto Part Stores may have late hours of operations.

Our Business Owners Policies Go Above And Beyond The Industry Standard

We pride ourselves with our company’s insurance products. We know our policies have comprehensive coverage, which most insurance policies do not have.  Take a look at a break down of coverage we offer.

  • General Liability
  • Building
  • Business Property
  • Inventory Coverage
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • Special Events Coverage
  • Abuse & Molestation

For more details on our Business Owners Policies, Please Click Here.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

CNA Insurance | Business & Commercial Insurance

CNA is a great company, and is also known for paying its claims very well. Any time weCNA-Insurance get a prospect looking for business insurance, we try to put them with CNA Insurance. They are a standard company, but they will write high risk things, such as liquor stores and restaurants that serve alcohol. Here is a full list of what they offer.

  • Business services
  • Construction
  •  Financial
  •  Health care
  •  Manufacturing
  •  Professional services
  •  Real estate
  •  Retail
  •  Technology
  •  Wholesale
  • and a lot more.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-on-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

Hospital & Medical Facility Insurance | Get A Free Business Insurance Quote

Hospital & Medical Facility Insurance Program

The medical industry has very unique and unusual risk involved. With everyday, new medicines, technology and other aspects constantly evolve and change. That is why that a hospital and medical facility require a very unique and well thought through insurance policy. At our Agency, we write the most competitive and comprehensive insurance policies, that the industry has to offer. Work with one of our licensed experienced Insurance Agents, to create a policy that is best for the hospital or medical facility. He/she will help answer questions, and set you up into a policy that is second to none.

Operations We Can Insure

Whether you are a small clinic with only a couple of employees, or a huge conglomerate with hundreds of employees, we have a policy we can set up for you. There is no policy to big or small that out agency can’t take on.

Our Business Owners Policies Go Above And Beyond The Industry Standard

We pride ourselves with our company’s insurance products. We know our policies have comprehensive coverage which most insurance policies do not have.  Take a look at a break down of coverage we offer.

  • General Liability
  • Building
  • Business Property
  • Comprehensive Proprietary Property Coverage
  • EPLI- Employment Practices Liability
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • Crime & Fidelity
  • Coverage for building foundations, underground pipes, flues, and drains
  • Special causes of loss on building, contents, loss of income, and extra expense
  • and more!

For more details on our Business Owners Policies, Please Click Here.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-on-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

Security Services Insurance | Get A Free Business Insurance Quote

Security Services Insurance Program

At our agency, we can insure all aspects of the security industry. Whether you are a one man operation, or have multiple employees.  We understand the security industry has many variables and aspects that must be addressed and taken into consideration. That is why we only use the best insurance companies, that provide the most elite coverage. Work with one of our licensed experienced insurance agents, to find a package that is best for an owner or operator.

Operations We Can Insure

We can insure just about any type of operation. This can be any where to companies that work concert venues and clubs, all the way to Armored Trucks, making valuable deliveries.  Please call us with you specific risk, to see if we have a market.

Our Business Owners Policies Go Above And Beyond The Industry Standard

We pride ourselves with our company’s insurance products. We know our policies have comprehensive coverage which most insurance policies do not have.  Take a look at a break down of coverages we offer.

  • General Liability
  • Building
  • Business Property
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • Security Services Error & Ommissio’s
  • False Arrest Coverage
  • Assault & Battery Coverage
  • Broad From Property Damage
  • Lost Key Coverage
  • Personal Injury Coverage
  • Abuse & Molestation Coverage Available
  • Coverage For Use Of Firearms
  • and more!

For more details on our Business Owners Policies, Please Click Here.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-on-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

Contractors And Artisan Insurance | Get A Free Business Insurance Quote

Contractors & Artisan Insurance Program

We offer a wide variety of insurance packages for contractors. Whether you’re the neighborhood plumber or a 15 man crew operation, we can cover a lot of needs. Work with us to get a free competitive quote. You will work with a licensed experienced Insurance Agent, who will put together a policy that is best for the business.

Our Business Policies Go Above And Beyond The Industry Standard

We pride ourselves with our company’s insurance products. We know our policies have comprehensive coverage which most insurance policies do not have.  Take a look at a break down of coverages we offer.

  • General Liability
  • Business Property Or Inland Marine Tool Coverage
  • Special Equipment Coverage
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • And more!
Type Of Contractors We Insure
91111 Air Conditioning – Air Conditioning Systems or Equipment, installation, service or repair including dealers. If heating work also use 95647.
91150 Appliance Installation – Commercial – No residential, apartment work ok.
91155 Appliance Installation – Household (residential) – Installation, service and repair of household appliances & accessories. NO commercial appliances.
91342 Carpentry – Commercial – Includes commercial tenants improvements & betterment, repair & replacement. NO exterior work on buildings exceeding 3 stories. NO stand-alone roofing or a roofing license is allowed. Incidental roofing work allowed in conjunction with a remodeling project.
91344 Carpentry – Handyman – Service and repair work only. Maximum $2,500 per job if licensed and $500 per job if not licensed.
91341 Carpentry – Interior – Finish carpentry, includes woodwork, trim, countertop (no tile), wooden doors, cabinet installation and shelving. NO General Contracting or interior room remodel (use 91340). NO exterior framing work as a subcontractor.
91340 Carpentry – Residential – Includes structural and non-structural remodeling and repair. Examples: Kitchen & bathroom remodeling & decking. Work also may include adding square footage such as a second story or room additions. Exterior framing work as a subcontractor not allowed. NO exterior work over 3 stories. NO stand-alone roofing or a roofing license is allowed. Incidental roofing work allowed in conjunction with a remodeling project.
91405 Carpet-Upholstery Cleaning – Work on customer premises only, NO shop exposure. Only 100% Service/Repair and/or Commercial risks permitted in this class.
91436 Ceiling/Wall Installation – Metal – Ceiling or Wall Installation – Metal or Acoustic.
91551 Communication Equipment Installation – Wiring, cables & circuits for telephone and communications equipment operating at <50 volts. NO telephone line construction, burglar, fire alarm/emergency systems work
91560 Concrete Construction – Includes pouring, placing & finishing concrete. Patios, pads, walkways, mow strips, driveways. Room addition foundations are acceptable as a sub-contractor or the General Contractor. Commercial foundations are acceptable. NO residential foundation work on New Homes. NO exterior work on buildings exceeding 3 stories in height. NO pool construction. NO public street, road or highway work.
91577 Conduit Construction – Cable/Wire – Installation of communication or electrical encasements. Max. depth 12 feet. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
91629 Debris Removal – Construction Site – This classification applies to those risks solely engaged in the removal of debris in connection with construction or erection. NO roof tear-off or soft demo. NO janitorial work.NO salvage operations. NO Asbestos Removal.
91746 Door/Millwork Installation – Metal – Door/Millwork Installation – Garage door work OK. NO window work.
92102 Drilling – Water – Private water drilling with limited agricultural exposure.NO water quality testing or municipal work. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
92215 Driveway/Sidewalk Paving – Includes asphalt or paver installation, parking lots, private roads & commercial or residential driveways or sidewalks. No Public street, road or highway work. NO grading or excavation other than incidental to paving (use those specific classes if not incidental).
92338 Drywall – Residential service, repair or remodeling only. NO New Residential work. New commercial OK. NO insulation work.
92478 Electrical – Within Buildings – Includes incidental outside work. NO power line construction or pole work. NO burglar or fire alarm system, generator, electrical machinery or auxiliary apparatus work. NO work over 480 volts.
94007 Excavation – Max. depth 12 ft. NO Public street, road, highway, agricultural or building demolition other than outbuildings. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
94276 Fence Erection – Applies to risks that install or erect fences – metal or wood. Includes wooden or metal mailbox installation and real estate sign installation. NO sound barrier fencing. NO child-safety fences or electrically charged fencing. Automated gates acceptable.
94569 Floor Covering – No Tile – No dealers. Installation of carpeting, laminate and hardwood flooring. — Ceramic tile, stone, marble or terrazzo work should be separately classified as Tile.
95410 Grading – No Public street, road or highway work. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
95647 Heat/AC no LPG – Sales, installation, service or repair of heating or combined heating and air conditioning systems or equipment. Incidental LPG equipment sales or work allowed, up to 5% of receipts.
96053 House Furnishing Installation – Residential Only. Includes installation of pictures, mirrors, window treatments and closet organizers. NO furniture repair or moving services. For residential appliance installation see 91155.
96816 Janitorial – Commercial – COMMERCIAL OFFICES ONLY – NO residential exposures, model homes, retail work or sales of chemicals or cleaning supplies. NO work in banks, medical or dental offices. Only 100% Service/Repair and/or Commercial risks permitted in this class.
97047 Landscaping Gardening – Landscape Maintenance & Gardening – Basic landscape/lawn care service – mowing, mulching, planting &/or installation. Over-the-counter fertilizer/weed control ok. Lawn sprinkler installation ok. Tree trimming from ground level allowed if incidental to other landscaping operations.
97447 Masonry – Includes cutting & laying of bricks, block, stone and other unit masonry or clay product and mortar work. Retaining walls over 6 feet not allowed BUT perimeter wall over 6 feet ok. NO street, road or highway walls or work. NO exterior work on buildings exceeding 3 stories or cast-in-place concrete work. NO fireplace or chimney work allowed.
97650 Metal Erection – Decorative – Decorative – Interior work only, non-structural, office partitions or work stations. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
98304 Paint Exterior (3 stories & Under) – Buildings & appurtenant structures only, including walkways/fences, surface preparation and faux/texture painting. NO waterproofing of foundations or exterior of buildings. No exterior work on buildings exceeding 3 stories or roof painting. NO work on tanks, street and road or bridges.
98305 Paint Interior – Painting Interior. NO exterior work. NO waterproofing of foundations or exterior of buildings. (Bathtub refinish ok).
98344 Paperhanging – Includes surface preparation, covering walls and ceilings with wallpaper, fabric, vinyl or other wall coverings.
98449 Plaster/Stucco – COMMERCIAL WORK ONLY. NO residential. Excludes Exterior Insulation and Finish Systems (EIFS) work and exterior work on buildings exceeding 3 stories in height. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
98482 Plumbing Commercial – No fire sprinklers or steam boiler work. Includes the installation, service or repair of gas, steam, hot water, pipe or other pipe fittings including building connections. Back flow testing allowed. This class also includes shops and display rooms.
98483 Plumbing Residential – NO New Residential work allowed. Includes the installation, service or repair of gas, steam, hot water, pipe or other pipe fittings including building connections. Back flow testing allowed. This class also includes shops and display rooms.
98502 Prefabricated Building Erection – Intended for light, non-habitational service or outbuildings. NO commercial retail usage. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
98636 Refrigeration Equipment Installation/Service – Installation, service and repair of commercial refrigeration systems. NO wholesale cold storage, manufacturing or food processing plants. Incidental LPG work ok (up to 15% of annual receipts).
99650 Satellite Dish Installation – Service or repair – NO work on buildings exceeding 3 stories in height.
98805 Septic Tank Cleaning – No RV work. NO work below 12 feet. Cleaning of restaurant grease traps ok. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
98806 Septic Tank Installation – No RV, blasting or work below 12 feet. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
98820 Sewer Mains Construction – No work below 12 feet. NO blasting. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.
98967 Siding and Gutter Installation – Installation includes soffit/fascia and decorative shutters. NO new residential work. NO spray on siding/roofing/roof flashings or work on buildings exceeding 3 stories. NOEIFS Work. Only 100% Service/Repair and/or Commercial risks permitted in this class.
99004 Sign Painting – No sign erection or work over 2 stories. Only 100% Service/Repair and/or Commercial risks permitted in this class.
99746 Tile/Stone Installation – Tile, Stone, Marble, Mosaic or Terrazzo Work – Installation and repair of these materials to floors, walls or counter-tops.NO swimming pool work or roofing operations.
99946 Water Mains Construction – No work below 12 feet. NO blasting. Service & Repair and/or Commercial Only Premium Credit NOT available for this class.

We Can Write Contractors Insurance In The Following States

Available in: AR, AZ, CA, CO, ID, NM, NV, OK, OR, TX, UT, & WA

We Do Not Write The Following

  • Risks with less than two years experience in the applicants trade.
  • Risks with operations not specifically listed on program classification & rate schedule.
  • Contractors acting in the capacity of a general contractor on new construction, as a builder, project manager or developer.
  • Risks which engage in Maritime operations. . Risks which sponsor sporting or social events.
  • Risks engaging in the renting or leasing of equipment to others.
  • Risks engaging in the selling or manufacturing of products sold under the applicant’s name.
  • New residential construction of condominiums; townhouses; or “tract housing developments” in which more than 10 houses or dwelling units have been built or are in any stage of development, planning, or construction.
  • Construction management for a fee.
  • Exterior work exceeding three (3) stories in height.
  • Public street, road or highway work.
  • Power line construction, burglar or fire alarm system, electrical machinery or auxiliary apparatus work. (Residential alarm pre-wiring ok with no hook up or monitoring)
  • Liquefied petroleum gas (LPG) equipment sales or work. (incidental work ok).
  • Painting of tanks.
  • Fire sprinkler installation or service.
  • No sign erection. No sign painting over 2 stories.
  • Swimming pool installation, service or repair.
  • Removal of any asbestos.
  • Roofers
  • Risks with OCP (subcontractor) costs greater than $200,000 or more than 50% of annual gross receipts.
  • Risks with (in the last 4 years) more than $20,000 incurred losses (including expenses) or more than 2 claims. Construction defect claims please refer to Underwriter.
  • Risks involved in water damage, fire damage, or mold damage repair or remediation as the General Contractor.
Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-on-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

Distributors And Wholesalers Insurance | Get A Free Business Insurance Quote

Distributors & Wholesalers Insurance Program

We understand as a small business owner, your customer depends on you for goods and materials. This can be anywhere from roofing materials, office supplies, food and more. The last thing you need to worry about is your insurance policy. When you work with our agency, you won’t.

We offer superior insurance coverage, for all your insurance needs.  At our agency you will work with a licensed experienced agent, who will counsel you into a comprehensive insurance policy. The policy will be designed for your business. At our agency “good old-fashioned customer service”, still exists.

Classifications We Can Insure

  • Appliance Distributor
  • Automobile Parts Distributor & Wholesalers
  • Bakeries With & Without Cooking Distributor
  • Beverage Including Alcohol Distributors & Wholesalers
  • Beauty & Barber Shop Supply Distributors
  • Books, Magazines, News Paper Distributors
  • Building Materials Distributors
  • Clothing & Apparel Distributors
  • Craft Supply Distributors
  • Dairy, Eggs & Ice Cream Distributors
  • School Supply Distributors
  • Electrical Equipment Distributors & Wholesalers
  • Fabric Distributors & Wholesalers
  • Florists Distributors & Wholesalers
  • Fruit & Vegetable Distributors & Wholesalers
  • Gardening & Light Farming Distributors & Wholesalers
  • Gift, Novelty , Etc Distributors & Wholesalers
  • Glass & Glassware Distributors & Wholesalers
  • Golf Equipment Distributors & Wholesalers
  • Grocery Distributors & Wholesalers
  • Hardware & Tool Distributors & Wholesalers
  • Hearing Aid Distributors
  • HVAC Distributors & Wholesalers
  • Hobby Distributors & Wholesalers
  • Ice Dealers Distributors
  • Janitorial Supply Distributors & Wholesalers
  • Jewelry Distributors & Wholesalers
  • Kitchen Accessories Distributors & Wholesalers
  • Ladies & Girls Accessories Distributors & Wholesalers
  • Lamps & Lightning Fixtures Distributors & Wholesalers
  • Leather Goods & Luggage Distributors & Wholesalers
  • Leather Products Distributors & Wholesalers
  • Linen Distributors & Wholesalers
  • Meat, Poultry, Seafood, Food Distributors & Wholesalers
  • Mirrors Distributors & Wholesalers
  • Monuments & Tombstones Distributors & Wholesalers
  • Music Distributors & Wholesalers
  • Musical Instrument Distributors & Wholesalers
  • Office Furniture Distributors & Wholesalers
  • Optical Goods Distributors & Wholesalers
  • Paint & Wallpaper Distributors & Wholesalers
  • Pet Supplies Distributors & Wholesalers
  • Photographic Distributors & Wholesalers
  • Picture Frames Distributors & Wholesalers
  • Plumbing Supply Distributors & Wholesalers
  • Sewing Machine Distributors & Wholesalers
  • Sporting Goods Distributors & Wholesalers
  • Sunglasses Distributors & Wholesalers
  • Trophy Distributors & Wholesalers
  • Wall Paper Distributors & Wholesalers
  • Yarn Distributors & Wholesalers
  • And More! Call for details if not in list.

Our Business Owners Policies Go Above And Beyond The Industry Standard

We pride ourselves with our company’s insurance products. We know our policies have comprehensive coverage which most insurance policies do not have.  Take a look a break down of coverages we offer.

  • General Liability
  • Building
  • Business Property
  • Inventory Coverage
  • Product Liability
  • Special Equipment Coverage
  • Loss Of Business Income
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • Employee Dishonesty
  • Accounts Receivable
  • and more!

For more details on our Business Owners Policies, Please Click Here.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

Dry Cleaning Insurance | Get A Free Business Insurance Quote

You help your customers look their best. Either if it’s a business man/woman needing their shirts cleaned and delivered every week on time, or having a wedding dress ready for a brides special day. As business owner, you sometimes forget about your risks involved in daily operations.

It’s never easy to realize that risks that your business inherently has everyday. What if a machine press breaks, causing injury to one of your employees, are you covered? What if a fire broke out over night, will you insurance policy have enough coverage? Let our agency help you answer these hard questions.

At Colorado & Denver Insurance Services, we are independent agents that know how important an insurance policy is to a business.  You will work with a licensed experienced insurance agent. He or She will work with you to find the policy that is best for your business.

We Offer Superior Coverage:

As a small business owner that last thing you should be worrying about is your business insurance policy. At our agency, when we put together insurance policies, we don’t cut corners. We offer comprehensive business owners policies.

We pride ourselves with our company’s insurance products. We know our policies have comprehensive coverage which most insurance policies do not have.  Take a look a break down of coverages we offer.

  • General Liability
  • Building
  • Business Property
  • Customers Personal Property Coverage
  • Special Equipment Coverage
  • Loss Of Business Income
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • Employee Dishonesty
  • Accounts Receivable
  • and more!

For more details on our Business Owners Policies, Please Click Here.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

Our Business Owners Insurance Policy

Business Owners Insurance Policy

Our Agency offers the industries superior and leading product. Our policies go above and beyond the standard. Don’t “cut corners” on your insurance policy. Get a Superior insurance policy at our agency, all at great prices. Work one on one with a licensed experienced agent, that understands insurance. He/she will counsel you into a policy that best fits your business.

Please take a look below, at our business owner policy. Disclaimer:  Not all businesses and risks will qualify for this program. Business Owners Policies can vary company to company. Please talk to an agent for details.

Property

Policy deductible applies to all the coverages below. We offer deductibles at 250, 500, 1000, 2500, 5000, 10,000 and 25,000 thousand dollars.

  • Business Income & Extra Expense 12 Months Actual Loss Sustained
  • Business Income & Extra Expense Dependent Property $10,000 Limit
  • Business Income & Extra expense Newly acquired property $250,000
  • Employee Dishonesty & Forgery $25,000
  • Expediting Expenses $25,000
  • identity Theft/Recovery services $25,000
  • Terrorism Insurance

The Following Coverages Apply At Each Location

Coverage

  • Appurtenant Buildings & Structures $50,000
  • Arson & Theft Reward $5,000
  • Civil Authority 4 Weeks & 24 Hours
  • Claim Data Expense $5,000
  • Fire Department Service Charge $25,000
  • Fire Equipment Discharge $10,000
  • Newly acquired Or Constructed Business Personal Property $250,000
  • Newly acquired Or Constructed Building $1,000,000
  • Non Owned Detached Trailers $5,000
  • Outdoor Property $10,000
  • Personal Effects $25,000
  • Personal Property Of Others (included in (BPP) Business Personal Property Coverage Amount Desired)
  • Pollutant Clean Up And Removal $25,000 Maximum Annually
  • Preservation Of Property BPP Included Limit 90 Days
  • Signs Included
  • Spoilage Coverage Included In BPP (Business Personal Property)
  • Temporary Location Of Business Property $50,000 up to 30 days
  • Glass Coverage
  • Theft Damage To Rented Property Included in BPP

Coverage

  • Inflation Guard
  • Business Personal Property(BPP) Including Inventory
  • Seasonal Increase 25%
  • Building And Structure Coverage
  • Business Personal property Off Premises $250,000
  • Debris Removal 25% + $25,000
  • Money & Securities included in BPP
  • Money Orders & Counterfeit Paper Included in BPP
  • Outdoor Trees & Other Plants $3,000
  • Equipment Break Down $250,000
  • Ordinance Of Law & Demolition $25,000
  • Accounts receivable $25,000
  • Electronic Data Processing including In Transit $25,000
  • Sewer & Drain Backup $25,000
  • Fine Arts $25,000
  • Targeted Hacker Attack $25,000

Liability

General Liability

  • Each Occurrence Up To $2,000,000
  • Personal & Advertising Injury Up Tp $2,000,000
  • Products Completed Operations Up To $4,000,000
  • General Aggregate Up To $4,000,000
  • Damage To Premises Rented To You $300,000
  • Medical Payments $10,000
  • Employment Practices Fiduciary $10,000

Additional Blanket Insured Included (Excluding Contractors)

Optional Coverages

  • Commercial Auto Insurance
  • Excess Liability Insurance
  • Workman’s Compensation
  • Cyber Liability Insurance
  • Liquor Liability
  • and more!

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Restaurant Insurance | Get A Free Business Insurance Quote

Restaurant Insurance Program

We offer the leading industry insurance product for restaurants. This can be anywhere from the romantic steak house in a high-class neighborhood, to your hole in the wall pizza parlor on the corner. We know restaurants are unique to their customers and food, that’s why we design an insurance policy that is just as unique as the restaurant.

Get a free quote from us and work one on one with a licensed experienced agent, who understands insurance. Our agency will counsel you into the policy that is best for your business. We believe in “Good Old Fashioned Customer Service”.

Types Of Restaurants We Insure

We insure all restaurants. This includes bagel shops, bistros, buffets, coffee shops, drive ins, deli’s, food courts, fast food, sit down, take out, pizza parlors, ice cream, Italian, Mexican, Chinese, steak houses, sea food and more. We also can insure operations that serve liquor.

We pride ourselves with our company’s insurance products. We know our policies have comprehensive coverage which most insurance policies do not have.  Take a look a break down of coverages we offer.

  • General Liability
  • Building
  • Business Property
  • Inventory Coverage
  • Food Spoilage
  • Loss Of Business Income
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • Employee Dishonesty
  • Accounts Receivable
  • Liquor Liability
  • and more!

For more details on our Business Owners Policies, Please Click Here.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.