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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
  • 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.
  • 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