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Farm and ranch insurance is a coverage tailored specifically for farmers and ranchers.  The policy is a hybrid with both homeowners and commercial insurance elements since ranchers and farmers live and work on the same property. The policy covers the home, personal property, additional living expenses, outbuildings, scheduled farm personal property, unscheduled farm personal property,…

Farm & Ranch Insurance Farm and ranch insurance is a coverage tailored specifically for farmers and ranchers. The policy is a hybrid with both homeowners and commercial insurance elements since ranchers and farmers live and work on the same property. The policy covers the home, personal property, additional living expenses, outbuildings, scheduled farm personal property,…

Inland Marine Insurance Inland marine coverage typically covers property in transit over land. Typically, inland marine coverage forms provide coverage without regard to the location of the covered property; these are sometimes called “floater” policies. Inland marine coverage forms are generally broader than property coverage forms. Types of inland marine policies are: Cargo insurance Transit…

Builder’s risk insurance is a property only insurance policy that is designed to cover property in the course of construction. Buildings are subject to many different risks while under construction. They may catch fire, be damaged by high winds, or fall victim to other insured loss elements; therefore, coverage is usually written on an “all…

Builder’s Risk Insurance Builder’s risk insurance is a property only insurance policy that is designed to cover property in the course of construction. Buildings are subject to many different risks while under construction. They may catch fire, be damaged by high winds, or fall victim to other insured loss elements; therefore, coverage is usually written…

Surety Bonds Surety bonds are a promise by a surety company to pay one party, the project owner, often called the obiligee, a certain amount if a second party, the contractor/business owner often called the principle, fails to fulfill the terms of a contract between the two parties. The bond protects the obligee against losses…

Crime Insurance A crime insurance policy that is designed to meet the needs of organizations other than financial institutions (such as banks). A commercial crime policy typically provides several different types of crime coverage, such as: Employee dishonesty coverage sometimes referred to as fidelity coverage provides coverage for employee theft of money, securities, or property.…

Errors and Omissions Coverage Errors and omissions (E&O) insurance (sometimes called professional liability), is most often used by professional consultants , various brokers and agents, including notaries public, real estate brokers, insurance agents, appraisers, management consultants and information technology service providers architects, landscape architects, engineers, attorneys, and other types of specialties. Errors and omissions coverage…

Contractor Liability Insurance The Contractor General Liability Insurance policy provides coverage for liability resulting from bodily injury, personal injury or damage to property of third parties. Coverage is usually required for contractors to secure regional and/or state licensing. The CGL policy is designed to insure the following: Premises/operations—Premises owned but also job site locations Independent…

Employment Practices Liability A type of claims made liability insurance covering wrongful acts arising from the employment process. These types of policies and coverages included or excluded can vary. It is important to speak to an insurance professional to ensure you are obtaining the most appropriate coverages for your business. Read More – Click Here…