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Commercial Coverage
Advisor Insurance offers a full array of Commercial Insurance products for your business. Those include fleet automobile, workers compensation, property insurance, general liability, products liability, umbrella liability, and environmental coverage from only the top rated insurers in the country.
We only represent A.M. Best "A" Rated companies, so we can provide the peace of mind you deserve. We maintain multiple insurers so we can shop for you to secure the best coverage at the lowest price.
We offer Risk Management reviews and consultations. In-depth risk management studies can also be conducted on a fee basis for larger clients. We know that many businesses lack the proper coverage. Don’t risk your business, we can help.
We provide support in your time of need. It is easy to be an insurance agent when things are calm, but we are available after a loss as well. You may contact us for claims advice, to make a claim for you, or just for advice during a claim.
Property Insurance
We offer Property Insurance contracts that indemnify an insured for loss caused by the destruction of the insured's property resulting from a fire, wind, or other perils.
Workers Compensation
Workers Compensation Insurance is a schedule of benefits payable to an employee for injury, disability, dismemberment, or death as a result of occupational hazard. The payments are a liability of an employer. Insurance agrees to pay the Workers Compensation benefits required by law on behalf of the employer. Contractors with one employee or other employers with 5 employees must meet the state requirement.
General Liability
General Liability insurance is a very broad policy that covers legal claims against the insured. The policy covers your premises, your operations, products you manufacture, as well as any completed operations. The protection offered by a liability insurance policy is twofold: a legal defense in the event of a lawsuit commenced against the policy holder and indemnification (payment on behalf of the insured) with respect to a settlement or court verdict. Liability policies typically cover only the negligence of the insured, and will not apply to results of willful or intentional acts by the insured.
Directors and Officers Liability insurance protects an organization (usually a corporation) from costs associated with litigation resulting from mistakes made by directors and officers for which they are liable. In the industry, it is usually called "D&O" for short.