Agriculture & Horticulture

We have been specializing in this industry for over 25 years! We understand the unique needs of your business and offer specific products and services for the following:

• Garden Centers
• Greenhouse Growers
• Interior Landscapers
• Landscape Professionals
• Nurseries
• Retail Florists
• Wholesale Floral Distributions
• Farm Owners
• Orchard Owners and Management Companies
• Retail & Wholesale Fruit/Grocery Markets
• And beyond...

We elect leading industry insurance companies to be our partners and we have several programs. Our clients receive needed coverages (at reduced premium rates) not even offered by most other agencies. We are a "one-stop". Our goal is to up-grade your existing coverage, at the same time focus on premium savings. Please give us an opportunity to make a difference for you.

• Workers Compensation
• Property & General Liability
• Crop Insurance
• Commercial Automobile
• Employers Practices Liability Insurance
• Specialized Risk Management Services
• Multi Lingual Loss Control Resources
• Pro-active Claims Handling
• Employee Benefits Programs
• Multi States
• And much more...

Banks & Financial Institutions

Our expert team understands your unique needs. Whether you run a multi-location corporation or a small business, we listen to you to insure your success. We provide insurance for industries such as:

• Small Local Bank
• Multi Location Banks
• Credit Unions

Our team focuses to assist you in obtaining the most comprehensive and competitive insurance programs. Protecting your business and your bottom line is our goal. We work hard to deliver appropriate and cost effective solutions for:

• Workers Compensation
• Property & General Liability
• Professional Liability
• Fiduciary Liability
• Directors & Offices Liability
• Equipment Breakdown
• Umbrella
• Earthquake Coverage
• Employee Benefits

Construction

Construction is a "high risk" industry. As a construction industry specialist, we understand the situations and needs that are particular to your business:

• Same day/next day Certificate of Insurance
• Admitted Insurance companies – multi states
• Residential Contractors as well as Commercial Contractors
• WRAP UP projects
• Special Wordings that are requested on the Certificates
• Offering Additional Insured, Primary Non-contributory Wording, and Waver of Subrogation
• Specialized Insurance companies & Programs designed for Construction industry

This enables us to tailor a sound insurance program to address your specific needs which means you get expert service, prompt personalized attention and the best protection available to help ensure your continued business success.

Specializing in the following fields:

• All Artisan Contractors
• Highway & Street Construction
• General Contractors
• Landscapers
• Construction Management
• Roofing
• Demolition
• Building Materials

Coverage we provide includes:

• Commercial Property & General Liability
• Business Automobile
• Construction Equipments
• Workers Compensation
• Umbrella
• Professional Liability
• Builders Risk/Course of Construction
• Contractors Performance and Bid Bonds

Garage Business

We understand your unique needs. Whether you run a multi-location corporation or a small business, we listen to you to insure your success. We provide insurance for industries such as:

• Part Manufacturers
• Material Suppliers
• Wholesale Distributions
• Tire Dealers
• Gas Stations
• Car Washes
• Automobiles Dealers
• Auto Repair Shops
• Auto Body Shops

Our expert team focuses to assist you in obtaining the most comprehensive and competitive insurance programs. Protecting your business and your bottom line – that's our goal. We deliver appropriate and cost effective solutions for:

• Workers Compensation
• Property & General Liability
• Legal Liability (for car washes)
• Garage Keepers Liability
• Pollution & Tank Liability
• Liquor Liability (for gas stations with mini marts)
• Business Auto Liability (including physical damage)
• Cargo - Inland Marine
• Equipment Breakdown
• Umbrella
• Earthquake Coverage
• Employee Benefits

Grocery Stores

Our expert team understands your unique needs. Whether you run a multi-location corporation or a small business, we listen to you to insure your success. We provide insurance for industries such as:

• Specialty Grocery Stores
• Ethnic Grocery Stores
• Farmers Markets & Vegetable markets
• Grocery Chains
• Liquor Stores

Our team focuses to assist you in obtaining the most comprehensive and competitive insurance programs. Protecting your business and your bottom line is our goal. Coverage we provide includes:

• Workers Compensation
• Property & General Liability
• Product Liability
• Business Auto Liability (including physical damage)
• Cargo – Inland Marine
• Equipment Breakdown
• Umbrella
• Earthquake Coverage
• Employee Benefits

Habitational & Hospitality

Our expert team focuses to provides the most comprehensive and cost-effective insurance coverage for the risks and exposures that are unique to habitational & hospitality ownership and operation.

• Small Motel
• Boutique Hotel
• Country Clubs & Golf Courses
• Apartments & Condos
• Multi location operations

Whether you operate a small motel, boutique hotel or operate multiple properties, our experienced team understands your unique needs. We provide specialized programs to insure your success. Coverage we provide includes:

• Workers Compensation
• Property & General Liability
• Building Ordinance or Law
• Business Auto Liability (including physical damage)
• Equipment Breakdown
• Business Income on actual loss-sustained basis
• Umbrella
• Earthquake & Flood Coverage
• Environmental/Pollution Liability
• Liquor Liability
• Professional Liability
• Employee Benefits

Healthcare

We offers insurance services for a wide variety of healthcare clients such as:

• Health & Fitness Clubs
• Day Spas
• Medical & Dental Offices
• Out Patient Surgery Centers
• Community Hospitals
• Home Health Care
• Hospice
• Skilled Care & Assisted Living
• Continuing Care Retirement Communities
• Substance Abuse Rehabilitation Facilities
• Mental Health Organizations
• Drug & Alcohol Rehab Centers

We work hard to deliver appropriate and cost effective solutions for:

• Professional Liability
• Abuse & Molestation
• General Liability
• Directors & Officers Liability
• Umbrella
• Employers Practices Liability
• Workers Compensation
• Employee Benefits

Manufacturing / Wholesale / Distribution

Our expert team understands your unique needs. Whether you run a multi-location corporation or a small business, we listen to you to insure your success. We provide insurance for industries such as:

• Plastic Manufacturers
• Metal Manufactures
• Food Service Manufactures
• Specialty Product Manufacturers
• Related Wholesale Suppliers
• Related Distributors

Whether you need a custom tailored benefits plan, a risk management strategy to maintain a strong workforce or a return to work program, we're here to listen and provide you exactly what you need to insure your success.

• Workers Compensation
• Property & General Liability
• Product Liability
• Business Auto Liability (including physical damage)
• Cargo – Inland Marine
• Equipment Breakdown
• Umbrella
• Pollution Liability
• Earthquake Coverage
• International Coverage
• Employee Benefits

Non-Profit Organizations

We offer services for all types of nonprofit organizations. These organizations contribute to our quality of life and we want to be apart of your contribution to the world by providing the most comprehensive insurance services. Nonprofit organizations such as:

• Social & Human Service Agencies (non-profit & for profit)
• Performing Arts
• Libraries
• Charitable Organizations
• Animal Shelters
• Religious Organizations
• Community Centers
• Trade Associations
• Private Schools

We elect leading industry insurance companies to be our partners and we have several programs. Our clients receive needed coverages (at reduced premium rates) not even offered by most other agencies. We are a "one-stop" shop. Coverage we provide includes:

• Professional Liability
• Directors & Officers Liability
• Employment Practices Liability
• Fiduciary Liability
• Workplace Violence
• Internet Liability
• Abuse & Molestation Coverage
• Employee Benefits

Real Estate

We provide commercial insurance programs servicing commercial real estate property owners, managers, associations and affinity groups. Our insurance programs are designed for:

• Warehouses & Distribution Centers
• Retail Strip Centers
• Industrial Parks
• Mixed Used Complexes
• Office Properties
• Residential Apartments & High Rise Condos
• Homeowners Associations (HOA)

We provide multi-state coverage and negotiate special packages for clients with large real estate portfolios. Coverage we provide includes:

• Commercial Property
• General Liability
• Umbrella
• Workers Compensation
• Directors & Officers Liability
• Professional Liability
• Earthquake
• Flood
• Pollution
• Commercial Auto
• Employee Benefits

Restaurant, Bars and Deli's

Our expert team understands the unique dynamics of the restaurant industries. We have many partners that offer variety of programs for the diverse needs of our clients and we offer comprehensive coverage to focus on saving you money. We serve industries such as:

• Fast Food Restaurant Chains
• Large portfolio restaurant owners
• Fine Dining Restaurants
• Ethnic Resturants
• Bar & Taverns
• Deli's
• Bakeries
• Wholesale Bakeries
• All food related wholesalers, manufacturers, and distributing centers

We work hard to deliver appropriate and cost effective solutions for:

• Workers Compensation
• Property & General Liability
• Liquor Liability
• Building Ordinance or Law
• Business Auto Liability (including physical damage)
• Non-owned Auto (for delivery exposures)
• Equipment Breakdown
• Business Income on actual loss-sustained basis
• Umbrella
• Earthquake & Flood Coverage
• Environmental/Pollution Liability
• Employee Benefits

Retail Stores

Our expert team understands your unique needs. Whether you run a multi-location corporation or a small business, we listen to you to insure your success. We provide insurance for industries such as:

• Clothing Manufacturers
• Clothing Suppliers
• Clothing Wholesale Distributions
• Local Retail Stores
• National Retail Chains

Our team focuses to assist you in obtaining the most comprehensive and competitive insurance programs. Protecting your business and your bottom line is our goal. We deliver appropriate and cost effective solutions for:

• Workers Compensation
• Property & General Liability
• Business Auto Liability (including physical damage)
• Cargo – Inland Marine
• Equipment Breakdown
• Umbrella
• Earthquake Coverage
• International Coverage
• Employee Benefits

Technology & Life Sciences

We are a specialist in providing insurance solutions to software, hardware, service, IT, Internet, Telecomunications, and biotech companies nationwide. We have strong partnerships with carriers who specialize in Technology and Life Science products that meet our clients' needs to ensure they are properly protected.

We provide Life Science Companies with a total insurance solution, in partnership with many leading insurance companies, built upon our combined expertise. Our customized coverage can serve:

• Medical Device Manufacturers & Distributors
• Pharmaceutical Manufacturers & Distributors
• Biotech Research & Development Companies

To help keep pace with your businesses growth, our products are flexible enough to offer protection during all the stages of a company's life cycle – from a start up or a sole proprietorship to a large, publicly traded company. We have been insuring the life sciences industry with complete insurance package such as:

• Property (including R&D property)
• Research records
• General Liability
• Product Liability
• Internet, Cyber, and Media Liability
• Professional Liability
• Workers Compensation
• Commercial Auto
• Transit
• Umbrella
• International Coverage
• Management Liability
• Employee Benefits

Trucking / Automotive Fleets

Our experience, knowledge, and many products offer you custom tailored plans that meet your special needs. As a longstanding insurance broker, we understand the complexities of meeting the needs of a vast array of our customers' fleet of automobiles in the following areas:

• Commercial Auto
• Towing
• Long Haul Trucking
• Limousine Service
• Buses

Our expert team focuses to assist you in obtaining the most comprehensive and competitive insurance programs. Protecting your business and your bottom line is our goal. We deliver appropriate and cost effective solutions for:

• Workers Compensation
• Property & General Liability
• Business Auto Liability (including physical damage)
• Hired & Nonowned Auto
• Cargo - Inland Marine
• Equipment Breakdown
• Transit
• Umbrella
• Employee Benefits