Commercial Lines Department

You took a lot of risk to establish your business. You put your money, assets and pride on the line. Now, your risks are paying off in the form of a successful enterprise. When it comes to protecting your hard-earned assets, you don't want to take risks. That's why you should protect them with broad and specialty coverages designed to meet your needs all in one policy. The result? Built-in flexibility without costly duplication of protection-so you can control your insurance expense and control your risks.

Main Street Businesses: As an agency specializing in providing business insurance we represent over 20 insurance companies to provide your business with the most comprehensive coverage at the most competitive premium. Retail, Service, Wholesale, Businesses from Delicatessens to Hardware Stores to Clothing Stores, to a Paper Supply Distributor we have a specialty business insurance program backed up by the superior customer service of our agency for your business.

Commercial property Office Buildings, Shopping Plazas, Mercantile, Retail and Industrial Buildings. We have an insurance program to fit your needs. We offer "A" rated insurance companies with replacement cost building coverage, ordinance of law coverage, loss of business income, miscellaneous property enhancement endorsements. All coverages are written competitively with low deductibles. General liability limits are available from $1,000,000 to $10,000,000 and beyond.

We insure hundreds of contractors in the Tri-State area. From the one man residential carpentry operation to the 100 man plumbing firm we have a program to fit your needs. We can offer business owners policies with limits from $300,000 up to 10 million, inland marine schedules to cover your tools and equipment anywhere in the world, business auto insurance for 1 vehicles risks to fleets of over 100, and workers compensation insurance with up front discounts and back end dividends with workers compensation safety groups for your specific trade. With our state of the art computer system we can issue certificates of insurance to you in minutes.

Truckers: A specifically designed program for the independent truck owner-operator to fleets and non-fleets. Liability limits from $1,000,000 to $10,000,000. We use "A" rated carriers servicing and complying with your ICC, DOT and overweight permit needs. Physical damage coverage for your tractors and trailers is written with low deductibles at highly competitive rates. Specialty coverage extensions to protect your personal property, equipment, tools, straps, covers, chains, etc. Specialty policies for cargo, bob-tailing, and dead heading insurance needs.

Family restaurants, fast food chains and fine dinning establishments, we offer comprehensive competitively priced products. Seasonal and 24 hour operations, from banquet hall operations to restaurants that offer bar service beyond the hours of the kitchen service, we have a program to fit your needs.

Bonding: Construction, Surety & Fidelity Bonds are handled by experienced and talented insurance professionals. We handle the bonding needs on hundreds of individuals and corporations from license and permit bonds to performance and bid bonds. We have many bonding companies to get you the most competitive premium.