Dare Insurance Agency offers a full range of insurance and risk management products and services. Our capable team will help you examine options and recommend coverage for your business. We keep close contact with you to ensure that our service is exemplary.
Available Coverage
- General Liability - The commercial general liability policy provides comprehensive general liability coverage for commercial risks covering liability exposures for all locations and causes of loss except those specifically excluded or limited either within the coverage form or by endorsement. Protection may be provided on either an occurrence policy or a claims-made policy. Additional coverage may include:
- Errors and Omissions - Errors and omissions protection is professional liability coverage which covers damages or losses from negligence caused by the rendering of or failing to render of services, or negligence caused by other errors and omissions that may be committed during the performance of duties.
- Special Events Liability - This coverage protects against loss or damage as a result of claims filed by third parties for bodily injury, death or damage to property arising out of the operations of Lessees or Renters for functions and events, such as: dances, weddings, dinners, meetings, golf tournaments, etc.
- Directors and Officers Liability - The legal costs involved in defending directors are substantial; so are the penalties that can be incurred. D&O offers necessary protection from personal liability and financial loss which arises from wrongful acts committed or allegedly committed in their position as corporate officers and/or directors.
- Employment Practices Liability - This business coverage is available for legal costs to defend claims involving sexual harassment, wrongful termination and discrimination including legal liability for such acts.
- Property - Property coverage can protect you in case fire, theft or vandalism occurs in one of your business locations. Your coverage will pay to repair or replace the equipment, stock, furniture, buildings or fixtures you own. Usual options include:
- Mechanical Breakdown - This coverage will repair or replace your equipment in case of breakdowns caused by losses such as power surges, mechanical malfunctions, and boiler explosions.
- Property of Others - Protection often extends to the property of others for which you would be held legally liable.
- Property Off Premises - Coverage is available to protect your property if it is temporarily in a location the insured does not own, lease, or operate.
- Business Income Coverage - This coverage will reimburse you for actual loss of income over a specified time period if your business property incurs a covered loss that results in suspension of operations. You may also be reimbursed for extra expenses sustained in order to restore your business operations.
- Workers Compensation - Workers Compensation insurance covers employees who incur workplace injuries or illnesses.
- Business Auto - Commercial automobile coverage provides valuable protection for your commercially-owned vehicles and for "hired" vehicles you rent or lease for business use.
- Commercial Umbrella - An umbrella protects policyholders for claims in excess of the limits of their primary automobile, general liability and workers compensation policies.
- Group Life and Health Coverage is available including:
- Dental
- Medical
- Disability
- Life
- Other
