Employers in all states except Texas and New Jersey are required by law to have workers’ compensation insurance. And in New Jersey, employers that do not have workers’ compensation coverage can suffer penalties so severe that the obligation is optional in theory only.

Each state sets its own benefit levels, so coverage does not differ among various workers’ compensation insurers within a state.

In North Dakota, Washington, Wyoming and Ohio only the state can sell workers compensation coverage.

Several states operate a worker’s compensation fund that serves as a workers’ compensation insurance company for employers in the state. These funds are available to ensure that workers’ compensation insurance is available to all employers in the state, even those that may have difficulty buying coverage from a commercial carrier.

Whether you’re a landscaper, cabinetmaker or florist, your customers are the heart of your business. They depend on you to provide a service, like a unique landscape design, a hand-carved kitchen cabinet or an exotic bouquet of flowers.

Every day, you strive to provide the best products and services so that your customers are satisfied.

We want to provide you with the best commercial auto insurance solutions, from assisting you with selecting the appropriate insurance coverage to providing quick and efficient claims service when you need it. With a commercial auto policy from us, you’ll have the right coverage to protect your business in the event of a claim.

Working with an independent insurance agency like ours gives you many advantages – advice and personal service, and a choice of products and policies customized to fit your needs.

• Carrier rated A- “Excellent” XI by A.M. Best & Company
• Program limits of liability up to $5 Million, higher limits may be available per carrier
• Several deductible options available, including zero dollar and aggregate deductibles
• Claims expense outside the limits available for most classes
• Claims made & reported, pay on behalf & duty to defend policy form
• Prior acts coverage
• Coverage provided for independent contractors and “of counsel”
• Broad definition of professional legal services; includes notary public, title insurance agent, publication or presentation of research papers or similar materials
• Coverage extension for lawful spouse, domestic partner, estate and legal representative
• Predecessor firm coverage included
• Innocent insured coverage
• Worldwide coverage
• Automatic 60 day extended reporting period from termination of policy
• Optional extended reporting options for 1 year, 2 years, 3 years, 5 years and unlimited
• Free extended reporting related to death, total & permanent disability in addition to retiring attorneys if insured continuously for 3 years with carrier