Commercial Business Insurance
HORIZON AGENCY, INC. offers access to most any type of "commercial" or "business" insurance for manufacturers; wholesalers; retailers; contractors; property owners; property management companies; non-profit organizations; Auto Dealers and Garage Operators; Outdoor Sports Insurance.
Succinctly, we:
- Review your existing insurance program for adequacy or defect.
- Create a professional submission to the insurer(s).
- Aggressively negotiate on your behalf to obtain program and pricing improvements.
- Present professionally tailored Insurance Programs for your consideration.
- Provide you with prompt, day-in and day-out service.
- Assist you with presenting any insurance claims to the insurer.
- Continually monitor and inform you of changing insurance exposures.
HORIZON AGENCY offers:
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Property Insurance
| Type of Property Insurance |
Examples |
| Building, Contents, Inventory |
Covers your building, equipment, contents and inventories. |
| Business Interruption |
Pays lost income, payroll, ongoing expenses, profit due to shutdown from insured loss. |
| Builders Risk |
Covers new buildings or renovations during the course of construction. |
| Boiler & Machinery |
Covers accidental breakdown of production, electrical, mechanical, HVAC equipment and more |
| Inland Marine |
Contractor's Equipment Floaters, Transportation Floaters, Installation Floaters, Builder's Risk, and many more. |
| Foreign Property |
Buildings or contents at foreign locations or in foreign transit. |
Crime
| Type of Crime Insurance |
Examples |
| Employee Dishonesty |
"Embezzlement" protection for theft or money or property by employees. |
| Forgery |
Covers theft by forgery of your checks or other negotiable instruments. |
| Computer Fraud / Wire Transfer Fraud |
Covers theft by unauthorized access to proprietary computer systems. |
Liability
| Type of Liability |
Examples |
| Commercial General liability |
Covers your premises/operations & Products & Completed Operations liability, including judgment costs and attorney costs. |
| Internet "Cyber" Liability |
Covers damages due to your content on your website or breach of data privacy. |
| Professional "E&O" Liability |
Covers judgments & attorney costs from alleged "wrongful acts" arising out of your professional practice. Ex: Engineers, CPA's, Dentists, Consultants, many miscellaneous professions, etc. |
| Umbrella / Excess Liability |
Provides higher limits over and above your General Liability, Auto Liability, and Employers Liability. A MUST for any business operation. |
| Employment Practices Liability |
Covers suits alleging discrimination, harassment, wrongful termination, and many other allegations. Covers attorney costs as well. Read more.. |
| Directors & Officers Liability |
Covers judgments & attorney costs protecting against alleged "wrongful acts" in the management of one's company. Read more... |
| Fiduciary Liability |
Covers judgments & attorney costs protecting against alleged "wrongful acts" in the handling of your employee benefit plans, most often your 401(k) and Pension plans. Read more... |
| Environmental Liability |
Covers claims for clean-up and damages from a covered pollution incident. |
| Foreign Liability |
Covers public & product liability for foreign operations and exposures. |
| Miscellaneous Liability |
We have access to insurers offering "most any" type of liability coverage that is available for special needs. |
Automobile
| Type of Automobile |
Examples |
| Automobile Liability |
Covers Bodily Injury or Property Damage you cause to others. |
| Automobile Physical Damage |
Covers physical damage to your vehicles: "Comprehensive" & "Collision" |
| Hired, rented, Non-Owned Vehicles |
Protects for your use of hired, rented, or non-owned (employee's) vehicles. |
| Garage liability / GKLL |
Specialized coverage for Automobile dealers or garage/service operators. |
Workers Compensation
| Type of Program |
Examples |
| Guaranteed Cost plan |
Premium is adjusted based on audited payrolls, but not on losses. Most commonly used method. |
| Retention Plans |
Premium for subject policy is adjusted one time only, at policy year end, based on audited payrolls and losses incurred subject to minimum and maximum premiums. |
| Retrospective Plans |
Premium for subject policy is adjusted each year for five years, at policy year end, based on audited payrolls and losses incurred subject to minimum and maximum premiums. |
| Self-Insured Plans |
Can be any of above types of plan, but "insurer profit" is removed from the equation. Must be financially strong to satisfy requirements and actively control your losses. |
Management Liability
| Type of Program |
Examples |
| Employment Practices Liability |
Covers suits alleging discrimination, harassment, wrongful termination, and many other allegations. Covers attorney costs as well. Read more.. |
| Fiduciary Liability |
Covers judgments & attorney costs protecting against alleged "wrongful acts" in the handling of your employee benefit plans, most oftenly your 401(k) and Pension plans. Read more.. |
| Directors & Officers Liability |
Covers judgments & attorney costs protecting against alleged "wrongful acts" in the management of one's company. Read more.. |
Bonds
| Type of Bond |
Examples |
| Fidelity Bonds |
Protects against employee theft of company property or money "Embezzlement" |
| Contract ("Surety") Bonds |
Bid bonds, Payment & Performance Bonds, etc. |
| License Bonds |
Often required by municipalities for trade contractors |
| Miscellaneous Bonds |
There are a myriad of types of bonds. Please contact us for any "unusual" bonds |
