Habitational Insurance

Building owners face exposure to a variety of different risks. Habitational insurance can help reduce exposing your business to unneeded risk and ensures the facility is covered.

What’s covered in a habitational insurance policy?


Property Insurance

This is a type of insurance policy that can provide coverage for a property that is owned or rented. These policies can provide coverage for losses due to fire, theft, weather and other risks.


Liability Insurance

Insurance product that provides the insured with protection against claims arising from injuries or damage to other people or property. Some coverages included in liability insurance are bodily injury, property damage, personal and advertising injury, products and completed operations, damage to premises rented to you and medical payments.


Workers’ Compensation Insurance

An insurance coverage that provides both medical benefits and wage replacement to employees that are injured while on the job.


Umbrella Insurance

An umbrella liability policy is designed to protect your organization from major claims, providing higher limits of insurance for such things as general and automobile liability exposure.


Automobile Insurance

This is coverage in the event of an accident or theft of your automobile. Liability coverage is also included in an automobile policy to provide protection against physical damage and bodily injury resulting from a vehicle incident. Coverage is also available for automobiles that are hired or non-owned and used in the course of your business operations.


Crime Insurance

Protection for business from loss of money, securities or inventory resulting from a crime. Common crimes include employee dishonesty, forgery, robbery and safe burglary and theft of monies and securities.

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Why We’re Different

Not all insurance products are similar in price and function, that’s why it’s important to customize a portfolio to fit your specific needs.