Middle Peninsula offers a variety of insurance options that can be tailored to fit your unique needs.
At Middle Peninsula we offer a variety of insurance options that can be tailored to fit your unique needs. Whatever your business may be, and whatever industry you may be in, let us provide valuable advice and insurance options that will ensure the safety of your business for years to come.
General liability insurance provides coverage for a variety of potential claims, including bodily injury to others, property damage to property of others, personal injury claims, such as libel, slander, or defamation of character, and advertising injuries that arise from the way you advertise your goods and services.
Commercial auto coverage is similar to personal auto coverage. Some coverages available for purchase are:
- Bodily injury to others
- Property damage to others
- Uninsured and Underinsured motorists coverage
- Medical payments
- Collision coverage Comprehensive coverage
During the course of your profession you might make incorrect decisions or judgments that ultimately cause financial harm or injury to others. Often these losses are NOT covered under your General Liability policy. A separate policy to cover “errors and omissions” that you may make during the course of your profession is necessary. Some usual professions needing this coverage are doctors, lawyers, real estate agents, accountants, architects and more.
Contact your insurance agent to determine if you have a “professional liability” exposure in addition to your “general liability” exposure.
A policy that will provide additional liability limits over those that you purchased under your General Liability, Commercial Auto and Workers’ Compensation policies. In this lawsuit happy society, one can never know how much coverage is enough, but more is definitely better!
Director's & Offices (D&O) Liability
A coverage necessary to protect corporate officers, directors, and board members or officers, directors and board members of non-profit corporations or associations when sued for decisions or judgments that cause financial harm or injury to others. These types of losses are not covered under your General Liability policy and a separate policy is necessary to protect the individual and personal assets of the officers and directors from loss through court judgments or settlements.
Your employee or potential employee could sue you for such things as:
- Wrongful termination
- Sexual Harassment
These types of claims presented against you are NOT covered under your General Liability or Workers’ Compensation policies. You must purchase this separate policy for legal defense costs and protection against court judgments.
Let’s face it, bonds are confusing. There are many different types of bonds that help protect you in a variety of different circumstances. In order to understand your situation and recommend the right bond for you, you should consult a professional. At Middle Peninsula, we are bonding specialists. We’ll find the bond that fits your circumstances. We are committed to providing customers with the best insurance value and service available, while maintaining the highest ethical standards and credibility with our clients, carriers, and the public.