We offer group life, health, disability and dental insurance, along with retirement annuities. We offer a superior group products and services to fit your particular needs.

Specific examples include:

• Contractor’s license bonds, which assure that a contractor (such as a plumber, electrician, or general contractor) complies with local laws relating to his field
• Customs bonds, including importer entry bonds, which assure compliance with all relevant laws, as well as payment of import duties and taxes
• Tax bonds, which assure that a business owner will comply with laws relating to the remittance of sales or other taxes
• Reclamation and environmental protection bonds
• Broker’s bonds, including Insurance, Mortgage, and Title Agency bonds
• ERISA (Employee Retirement Income Security Act) bonds
• Motor vehicle dealer bonds
• Money transmitter bonds
• Health spa bonds, which assure that a health spa will comply with local laws relating to their field, as well as refund dues for any prepaid services in the event the spa closes

We have Powers of Attorney on file with the local Circuit Courts and handle bonding needs of many types.

• Title VII of the Civil Rights Act of 1964
• ADA (Americans with Disabilities Act) of 1990
• Civil Rights Act of 1991
• ADEA (Age Discrimination in Employment Act) of 1967
• Family and Medical Leave Act (FMLA)

The Equal Opportunity Employment Commission (EEOC) interprets and enforces these laws. More recently, with the expansion of privacy law(s), employee privacy concerns have heightened as private employee data is stored electronically. This is not always covered under an EPL policy, but there are cyber liability and network security policies for protection.

Common coverages include:

• Employee dishonesty involving money, securities, and other properties. May be written as blanket insurance or on a scheduled policy basis.
• Forgery or alteration involving outgoing checks, drafts, promissory notes, and other similar financial instruments.
• Theft, disappearance, and destruction of money and securities.
• Robbery and safe burglary (property excluding money and securities) involving losses inside or outside the premises of the insured business.
• Premises burglary involving property (except money and securities) inside the premises of the insured business.
• Computer fraud involving money, securities, and property other than money and securities.
• Extortion involving money, securities, and property that does not include money and securities.
• Premises theft and robbery outside premises other than money and securities.
• Lessees of safe deposit boxes involving theft, disappearance, or destruction of securities or property other than money and securities while in a vault or during the deposit or withdrawal from a safe deposit box on the premises of the insured.
• Securities deposited with others involving theft, disappearance, or destruction of securities that are on the inside of the premises of a custodian (party to which the insured has transferred the securities) or while the securities are outside the premises of the custodian in the possession of an employee of the custodian, or while the securities have been deposited by the custodian into a depository.
• Liability for guest’s property in a safe deposit box involving property damage or loss.
• Liability for guest’s property while on the premises of the business or in the possession of the business involving loss or damage to that property.
• Safe depository liability involving loss, damage, or destruction to the customer’s property while on the premises of the business in a safe deposit box, in a vault, or while being transferred to and from safe deposit boxes or vaults. Legal liability of the business for the customer’s loss has to be established.
• Safe depository direct loss involving loss, damage, or destruction of the customer’s property while on the premises of the business in a safe deposit box, in a vault, or while being transferred to and from safe deposit boxes or vaults. The legal liability of the business for the customer’s loss does not have to be established.
• Public employees’ dishonesty for loss involving money, securities, or property that does not include money and securities. (This form is usually written to provide coverage for public entities such as schools and universities.)
• Public employees’ dishonesty for employee involving money, securities, or property that does not include money and securities. This form is usually written to provide coverages for public entities such as cities, public utilities, and public hospitals.
• Robbery and safe burglary of money and securities when in the custody of the custodian inside the premises, or when in the custody of a messenger outside the premises.
• Money orders and counterfeit paper currency involving their acceptance in good faith by the business in exchange for money, services, or merchandise.

What is covered? Common items covered by an inland marine policy include:

• Computers & computer systems
• Tools and equipment for artisan contractors – from mobile equipment to hand tools
• Fine Art Dealers & Galleries – covers fine art and tools & equipment used in conjunction with fine art
• Camera equipment – photographers
• Motor Truck Cargo – covers the goods being carried by an insured trucker
• Transportation Form – covers goods shipped by or to an insured via common carrier
• Pet Groomers – covers their equipment, especially for those with mobile operations
• Veterinarians – covers their equipment, especially when portable in nature
• Vending Machine Form – used to cover vending machines (does not include contents)
• Dealers Service Form – covers equipment used by servicing contractors / installers such as appliances, flooring, plumbers, etc.

Business contents, equipment and tools that move from location to location need this coverage. Remember that most contents coverage is location-specific, so you should discuss coverage with your agent for anything that goes off your business premises.