Types of Insurance
PROPERTY
• Real (and/or Personal) insuring buildings, additions, fixtures, business of office contents, machinery and equipment
• Time Element (Indirect Loss Coverage) provides coverage for business interruption, extra expense, rent, leasehold interest, operation of building codes, demolition and spoilage
• Inland Marine (Property usually mobile in state, i.e., in the process of being moved from place to place) contractors equipment, factory work in progress, fine arts, satellite discs, etc.
• Vehicles-Automobiles, truck, buses, semi-trailers or recreational vehicles
• Digital, Electronic, Online, Virtual
• Animals-Horses, livestock, animals held as inventory by a pet store
• Ocean marine-Ships and cargo
• Aircraft-Helicopters, planes, other aircraft, in orbit coverage or charter services
• Boiler & Machinery-Boilers and unfired pressure vessels, fax machines, refrigeration and air conditioning units, turbines, transformers, electrical apparatus
CASUALTY
• Workers Compensation and Employers Liability
• Umbrella and/or Excess Liability-Including layering limits
• General Liability Insurance-Broad Form, Commercial, Owners & Contractors Protective
• Professional Liability-Architects & Engineers, Hospital, Physicians and Other Healthcare Professionals and Miscellaneous Professional Liability, Lawyers, Accountants, Real Estate Brokers, Ministers, Counselors, etc
• Automobile Liability-Hired & Non-Owned and Drive-Other-car Coverage, other Automobile exposures
• Event Liability
EMPLOYEE BENEFIT AND INDIVIDUAL COVERAGES
• Disability Income
• Health/Major Medical/HMOs/PPOs and other forms of Managed Healthcare
• Dental
• Pension and Profit Sharing Plans
• Life-Term, Whole Life, Annuities
• Key-Man Insurance
FINANCIAL SERVICES
• Directors and Officers Liability – Including Association Liability
• Surety Bonds-Contract Bonds, Estate Bonds
• Fidelity Bonds-Crime, Employee Dishonesty, Forgery or Money & Securities
PERSONAL LINES
• Automobile-motorcycles, vans, other vehicles
• Homeowner’s-Primary residences, vacation homes, renter’s policies
• Umbrella
• Yachts and Pleasure Craft
• Inland marine Floaters-Cameras & Equipment, Jewelry, Furs, Works of Art, Coin Collections, Musical Instruments, etc
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