| Commercial & Business Insurance
Clarke
& Sampson, Inc. services the insurance needs of both small and large commercial
insurance accounts. We handle a broad range of insurance
products for our clients ranging for contents coverage for the main street
shop owner to Kidnap & Ransom insurance for international companies.
Commercial insurance coverages and pricing can be complex issues and ones
that require constant attention. Let us review your operations, identify risks
that may cause you a loss, and outline methods to reduce or eliminate the risk.
Insurance is one of several methods of reducing risk (by giving that risk to the
insurance company in exchange for premium). Other methods include the transfer
of risk to other parties or in some cases assuming the risk yourself. On
this site you can request a quote and review definitions
for each of the commercial insurance coverages we offer. If you are looking for
a coverage that you do not see below, please do not hesitate to contact
us and we will assist you.
Request
a Quote:
To receive a quote, please select from the listing below.
Definition of Coverages:
Property
- Commercial property may include buildings, contents, business interruption,
breakdown of machinery and equipment, and property in transit. This coverage may
be tailored to meet your specific coverage needs. Liability
- Protect your company from third party suits with a commercial liability policy.
Commercial liability policies protect your company from claims for bodily injury,
property damage, and personal injury. A primary benefit to this coverage is defense
costs, which are provided for covered claims. Automobile
- Coverage is provided for commercial trucks and private passenger vehicles titled
in your company name. Liability and physical damage coverages are provided under
this policy. Coverage can also be extended to vehicles you rent and to your company's
liability for employees' use of their own personal vehicles on company business.
Workers
Compensation - This coverage is required by law in most states. Coverage
is provided for medical expenses and lost wages resulting from work related injuries.
Benefits are payable based on the individual state workers compensation laws.
If you have employees working outside the United States - see our International
Insurance section. Umbrella
Liability -With today's ever-increasing liability awards, the limits
provided under the basic liability policy may not be adequate. This policy provides
additional liability limits over your primary commercial polices in layers of
$1,000,000. Directors
& Officers - Directors and officers of corporations, both profit
and non-profit, are personally responsible for their actions. You can be sued
for your management decisions in the operation of a company or organization. This
policy provides liability protection and defense cost for suits against directors
& officers for wrongful acts. Professional
Liability - This coverage includes errors and omissions liability and
protects the company from suits resulting from their advice or lack thereof. Examples
may be Accountants Professional, Lawyers Professional, Computer Consultants, etc.
Bonds
- We provide a wide range of bonds ranging from license bonds to probate bonds
to appeal bonds. Crime
- Commercial crime coverages are available to cover numerous exposures including:
Employee Dishonesty; Forgery; Robbery; Burglary; and Computer Fraud due to destruction,
disapperance, or wrongful appropriation of money or property. If
the coverage you are looking for is not listed, contact
us and we will assist you.
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