Service Business Insurance Program

We take pride in our quality, service, and attention to detail, just as you do for your business and customers. Our policies are designed to be broad and flexible and to protect your needs.

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Types of Service Business that We Insure

  • Architects
  • Automotive
    • Body paint
    • Glass repair
    • Service & repair
  • Barbershops
  • Beauty salons
  • Car washes
  • Carpet cleaning
  • Computer repair
  • Engineers
  • Engravers
  • Funeral homes
  • Interior decorators
  • Jewelry repair
  • Kennels & boarders
  • Laundries & dry cleaning
  • Medical offices/diagnostic
  • Printers
  • Rental companies
  • Schools — trade or vocational
  • Shoe repair
  • Theatres
  • Vending machine operations
  • Veterinarians
  • Warehouses — mini storage

Coverage Highlights

Property:

  • Accounts receivable
  • Brands & labels
  • Broadened premises boundary
  • Employee theft
  • Seasonal increase
  • Debris removal
  • Loss data preparation cost
  • Lost key consequential loss

General Liability:

  • Additional insureds
  • Increased medical payments
  • Increased legal liability limit
  • Waiver of transfer of rights
  • Incidental medical malpractice
  • New formed or acquired organization coverage

Equipment Breakdown
Both real and personal property coverage including electrical, mechanical, and pressure systems breakdown.

Crisis Management Enhancement Endorsement
Key & Lock Replacement; Employee Theft of Client’s Property & Personal Effects; and Property of Others at Client’s Premises

Morticians, Funeral Directors Professional Liability

Veterinarians Professional Liability

Optional Coverages Tailored to Service Business

Cyber Liability
Coverage for a Privacy Breach event
Coverage for media wrongful acts, network security, wrongful acts, and privacy wrongful acts
Extortion Coverage

EPLI
Protection for discrimination, harassment, wrongful termination, and more
Protection for you and employees from allegation of wrongful acts
Extended reporting period up to 36 months
Available to companies up to 50 employees

Business Auto
A commercial automobile policy helps protect your business from financial costs incurred as a result of an auto accident where you or your employee are found to be at fault.

Workers’ Compensation
Protection from work related injuries or illness. Workers’ Compensation coverage provides payment for medical care, lost time wages, financial benefits to the family of a deceased worker, and more. Workers’ Compensation coverage can protect both you and your employees.

Umbrella Coverage
Additional liability coverage to help protect against severe or catastrophic claims against you. This coverage protects your assets when the cost of a general liability or commercial automobile claim exceeds the limits of those policies.

Inland Marine
Examples of Inland Marine coverage we can offer your service business include Accounts Receivable, Valuable Papers, Electronic Data Processing and other coverages tailored to your needs

Crime
Examples of Crime coverage we can offer your construction business:

  • Employee dishonesty
  • Forgery
  • Money and securities
  • Employee retirement income security

Additional coverages available tailored to your business needs

Risk Management Services

Services

  • BMAG Safety Portal with safety news, reference links, and safety sheets
  • On-site safety and health assessments
  • Customized training programs
  • Specialized property consulting
  • Industrial hygiene
  • Safety video rentals
  • Management services, including fleet safety, accident investigation, job safety analysis, machine and material handling reviews

Training Offered
Our customized training programs assist in developing management skills and procedures to reduce loss.

Loss Control Services also offers our clients a range of educational and reporting materials.