 |
|||||||
            |
Business insurance is for your business, whether you are a sole proprietor or you own a multi-state corporation. We discuss your business with you, and provide you with quotes that cover your individual needs. After policies are written with Barker Phillips Jackson, producers continue to work with you as your business grows and changes. What does your company need? What price can you pay? When do you need coverage? What is legally required of you? We take all of these questions, put them together, and come up with the insurance policy that best fits your needs. |
||||||
|
Property Insurance First party insurance that indemnifies the owner or user of property. What was once known as fire insurance, is now simply called property insurance: insurance on buildings and their content. General Liability Insurance Insurance protecting commercial insureds from most liability exposures other than automobile and professional liability. Commercial Automobile Insurance A land motor vehicle, trailer, or semitrailer designed for travel on public roads that is used and titled to a business. Equipment Insurance Property insurance covering mobile equipment that is often moved from place to place. Employment Practices Liability Insurance A form of liability insurance covering wrongful acts arising from the employment process. The most frequent types of claims alleged under such policies include wrongful termination, discrimination, and sexual harassment. Directors and Officers Liability Insurance Insures corporate directors and officers against claims, most often by stockholders and employees, alleging financial loss arising from mismanagement. Errors and Omissions Insurance An insurance form that protects the insured against liability for committing an error or omission in performance of professional duties. Worker's Compensation Insurance The system by which no-fault statutory benefits described in state law are provided by an employer to an employee due to a job related injury. Builder's Risk Insurance Indemnifies for loss of, or damage to, a building or other related property in the course of construction. Audit Issues Here are two issues that continue to be raised during an audit: • Temporary Labor Agencies --The payroll will be charged as if the temporary labor is a direct employee unless the agency provides our insured general contractor with a certificate of insurance naming the general contractor as an additional insured. • Materials Cost -- When a general contractor is providing materials to an insured subcontractor, the cost of materials is not charged at the final audit, just on the payroll. However, if the subcontractor is providing labor and materials, he will charge for both. Commercial Lines | Personal Lines | Bonds | Life & Health | Financial Services |
|||||||
|
|||||||
