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Workers Compensation
State law requires that every employer provide Workers
Compensation insurance for their employees. This insurance
provides coverage for accidents or disease arising from
employment as prescribed by these state laws. Benefits
can include lost wages, medical expenses, and permanent
disfigurement/disability payments.
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General Liability
This coverage protects your business from claims arising
from alleged bodily injury, personal injury, or property
damage liability. It includes protection for services
you render or products you sell. Coverage payments can
include judgments, attorney fees, court costs, or other
related expenses.
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Business Property
This coverage protects personal property owned by your
firm and used in your operations. Furniture and fixtures,
equipment and machinery, raw stock, and finished goods
all fall within this category. Personal property of
others while located in your covered building or within
100 feet of the premises can also be insured. Contents
located off premises are not covered and must be insured
by alternate methods.
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Auto/Truck
This coverage protects you if one of your company vehicles
is involved in an accident. It includes protection for
bodily injury or property damage caused by you or an
employee of your company. This policy can be bought
alone or a part of your commercial insurance package
policy.
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Umbrella
This policy provides protection against catastrophic
liability claims. The policy acts as an excess coverage
over your primary liability policies. Its limits apply
in addition to that provided by the underlying coverage.
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Bonding
Protection provided by a bond is not insurance. Coverage
under an insurance policy involves a two-party agreement
whereas in a bond, the person who pays the premium,
known as a principal, is bonded for an action by a surety
for the benefit of a third party commonly called a beneficiary.
Bonds are distinguished between Surety bonds, which
guarantee the performance of a contract, or Fidelity
bonds, which protect against the dishonesty of employees.
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Inland Marine
Property that is mobile in nature has been traditionally
handled on these types of policies. A wide variety of
forms and co-rages has been developed to handle the
needs of this property.
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Employment Practices Liability
This insurance is used to protect against lawsuits by
employees alleging wrongful termination, discrimination,
harassment, or other specified employment related exposures.
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Business Income
This coverage protects you from an interruption in the
ability for your company to do business due to a covered
event. Business income protection gives you the money
to continue to pay your bills and vendors for a predetermined
amount of time or up to the limit of insurance.
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Transit/Cargo
This is a special form of coverage that provides protection
for property while in transit. Such property can include
coverage for owner's property or property of others
in the care custody or control of a carrier.
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Crime
This coverage provides protection against loss due to
criminal acts of others. Several types of exposures
can exist which require consideration when analyzing
your crime protection insurance.
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HDA Insurance Brokerage is committed
to each client and the community around us. This commitment
is proven by the no-nonsense approach and straightforward
responses that each client will experience. For comprehensive
results, we highly recommend shopping your insurance
needs 30 days in advance.
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