Brown & Brown Commercial Insurance
Protecting your business is our business. Whether large or small, our Commercial Lines Team has the expertise to tend to your needs. We know that every industry has its own unique risks and we are fully staffed with experienced and dedicated personnel to handle these risks.
Our Commercial Lines Products
- General Liability -
A form of insurance sold to businesses to indemnify the business for third party liability claims due to negligence. Coverage can include premises and operations liability for onsite and job-site accidents and products liability claims for products that injure third parties.
- Property Insurance -
"First-party" insurance of real and personal property against physical loss or damage, not to be confused with property damage liability insurance.
- Workers Compensation Insurance -
Protection which provides benefits to employees for any injury or contracted disease arising out of and in the course of employment. All states have laws, which require such protection for workers and prescribe the length and amount of such benefits provided.
- Automobile Liability Insurance -
Protection for loss incurred through legal liability for bodily injury and damage to property of others caused by accidents arising out of ownership, maintenance, or use of an automobile.
- Automobile Physical Coverage -
Coverage provides protection for comprehensive and collision on vehicles that your organization owns.
- Builders Risk -
Provides coverage for a building or a ship in the course of construction, with a special form of dealing with the unique loss exposure of property under construction.
- Directors and Officers Liability Insurance -
Protects officers and directors of a corporation against damages from claims resulting from negligent or wrongful acts in the course of their duties. Also covers the corporation (and even the officers and directors in some cases) for expenses incurred in defending lawsuits arising from alleged wrongful acts of officers or directors. These policies always require the insured to retain part of the risk uninsured.
- Employment Practices Liability Insurance -
Impetus for this coverage started with public interest in the allegations made by Anita Hill during the confirmation hearings of Supreme Court Justice Clarence Thomas. Changes in federal and state laws, such as the Americans with Disabilities Act and the Civil Rights Act of 1991, resulted in increased consumer awareness of sexual harassment and discrimination in the workplace. Coverage is available for legal costs to defend claims involving sexual harassment, wrongful termination and discrimination including legal liability for such acts. The coverage is known by various titles. Employment-related practices liability, management risk protection, employers E&O and Americans with Disabilities Act insurance are basically the same coverage. Most policies provide limits ranging from as low as $25,000 per claim up to $1 million. Policies may cover employees as additional insureds.
- Cyber Liability: 1st & 3rd Party -
This type of Cyber Liability coverage is the kind that non-IT firms most often need - that is, for most non-IT firms, first-party coverage is likely adequate to cover the risks they face. When a business experiences a data breach or similar event, it files a claim on its first-party Cyber Risk Insurance policy.
Third-party Cyber Risk Insurance covers the people and businesses "responsible" for the systems that allowed a data breach to occur.
- Boiler and Machinery Insurance -
Protection against loss from disruption of boilers and machinery by an insured peril: loss to the boiler and machinery itself, damage to other property, business interruption losses, or all three. Also known as machinery breakdown insurance.