Commercial Insurance Services

Providing insurance to the business world takes experience, knowledge, and the willingness to step up and do the job right, the first time. We provide a complete range of traditional and non-traditional insurance programs.

In addition to our full service general business insurance, Ware Insurance have specialized programs that are designed for a wide variety of business and professions, including medical professionals, landscapers, building owners and home builders.

Pricing for commercial insurance can be a complex. This is why it is important to regularly audit your property, liability and other commercial property, and casualty insurance expenses and premiums to identify any factors that could drive up your costs. This also provides a chance to take corrective action.

Ware Insurance offers your company the following coverages:
¨ Automobile
¨ Bonds
¨ Builders Risk
¨ Business Interruption
¨ Directors & Officers Liability
¨ Errors & Omissions
¨ Harassment
¨ International
¨ Kidnap/Ransom
¨ Life/Health/Disability
¨ Ocean Risk
¨ Professional Liability
¨ Property/Liability
¨ Worker Compensation
¨ Umbrella

Automobile
Commercial Automobile Insurance is an essential coverage for most businesses. We provide a program that includes property damage and liability protection for either a single vehicle or a fleet of vehicles. We can provide competitive rates based upon a favorable loss experience of your business. Ware Insurance provides medical payments, uninsured motorists, comprehensive and collision coverage, as well as third party liability.

Bonds
Ware Insurance specializes in surety bonds for the business and professional community. We represent top-rated surety companies to secure:
· Contract Payment and Performance Bonds
· Fidelity Bonds on Employees
· Professional Services Bonds
· Code Compliance Bonds
· Judicial and Court Bonds, including estate guardianship and repletion bonds

Builders Risk
Our builder's risk form is offered by some of the largest and more financially sound insurance carriers in the industry. It can be used in conjunction with your commercial general liability policy to offer you protection for your materials, supplies, machinery, equipment, and fixtures which will become a permanent part of the building, structure or project at the project site including temporary buildings and structures.

Business Interruption
Business Interruption helps to defray your overhead costs and lost income where operations cannot continue due an insured loss, included is coverage for:
· reimbursement of actual business income lost
· salaries and lost wages
· insurance premiums
· property depreciation resulting from business interruption
· taxes
· interest on indebtedness
This protection is designed to provide the funds necessary to maintain your financial condition, as if no loss had occurred.

Directors & Officers Liability
Directors and Officers liability insures corporate directors and officers against claims, usually by stockholders, alleging loss arising from mismanagement. Outside Directorship Liability policy is available, as supplementary protection, to assure sufficient limits for the exposure created when a company's director, officer or employee serves in an outside director position at its request.
Directors & Officers Liability insurance is available for associations, corporations, institutions and individuals.

Errors & Omissions
Professionals unlike other services, have a unique characteristic. Professionals have specialized knowledge, training and skill level and are expected to exercise a higher degree and standard of care in their particular field or practice. Errors and Omissions Insurance (also known as Professional Liability Insurance and Malpractice Insurance) generally provides coverage in situations where you are sued for negligence or alleged negligence in the execution of professional duties.

Harassment / Discrimination Employment Practices Liability Insurance
Employment Practices Liability Insurance (EPLI) was developed in the 1980's to protect employers who find themselves the target of work-related lawsuits, including harassment, wrongful termination and discrimination. EPLI coverage protects business assets against defense expenses and damages resulting from wrongful employment practices.

International
The business world is truly global. We are no longer surprised to find that one of business associates is traveling overseas to find new markets for their products and services. It has become a common day experience. With this global expansion however the business and traveler are exposed to both business and health risks not covered by standard insurance policies. The International Advantage policy is designed to address these exposures. As U.S. companies expand into the global marketplace, their risk also expands. International insurance is needed for:
· U.S. citizens moving, living or traveling frequently abroad
· Companies with employees in one or more foreign countries
· Foreign nationals visiting the U.S. or any other country

Kidnap - Ransom
Insurance against the possibility of personal seizure from outside an insured premises and includes being forced to return to the premises to open the safe or provide information to do so.

Life/Health/Disability/Retirement
Ware Insurance's experienced problem solvers provide personalized assessments of your life, disability, health, and retirement funding needs whether individual or group. Disability insurance is a way to protect your income and your life style. Should you not be able to work, you still want to be able to cover your monthly expenses - car, home, food, etc. Ocean Cargo
Ocean marine insurance is designed to cover various hazards related to the movement of goods. The first and obvious protection that can be provided is for the cargoes themselves. This protection can be provided to the seller/shipper or to the buyer. Where ownership of and responsibility for the cargo are assumed is crucial in determining what coverage is needed.

Professional Liability
Because you provide a professional service, claims may arise due to your failure to render those services properly, resulting in suit against you or your business. This coverage would provide protection in the event you are held liable for damages due to "malpractice" of those provided services. Our professional liability policy provides liability coverage for claims arising as a result of alleged negligence, dishonesty, errors or omissions while performing or rendering professional services.

Property/Liability
The general or public liability policy provides protection for claims of liability that are made by third parties. The policy provides defense protection even if the allegations are groundless. In addition the policy will pay any judgment up to the policy limit of coverage. Commercial Property Replacement cost coverage for the buildings that you own or are responsible for insuring, for your business personal property, machinery, inventory and data processing equipment. Important extensions to protect your personal effects, valuable papers and records, accounts receivable, business income and extra expense are also available.

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 underlying coverage. The umbrella or excess liability insurance policy adds an additional amount of liability insurance protection to both the general liability policy and the automobile liability policy. In addition, the umbrella policy may add additional liability coverage to any other liability policies that are scheduled under the umbrella policy.

Workers Compensation
Workers Compensation is a mandated insurance coverage that is administrated by each state in accordance with their own set of rules and guidelines. State law requires that every employer provide Workers Compensation insurance on his or her employees. This insurance provides coverage for accidents or disease arising from employment as prescribed by these state laws. Benefits can also include lost wages, medical expenses, and permanent disfigurement/disability payments.