Insurance Products- Insurance Programs

Commercial lines insurance includes property and casualty insurance products for businesses. Commercial lines Insurance helps keep the economy running smoothly by protecting businesses from potential losses they couldn’t afford to cover on their own, which allows businesses to operate when it might otherwise be too risky to do so.

Defined : Insurance lines used to cover commercial risks as opposed to personal lines, which cover personal risks. Examples include commercial general liability (CGL), workers compensation, and commercial property insurance.

How much can you afford to lose? Insuring your horse is not onlyprotecting your investmentwhen you purchased the horse, it is alsoprotecting your financesif there is an accident, sickness or disease that needs treated.

And what kind of losses might an owner sustain? The list includes replacing a horse which dies surgical and major medical expenses for the horse and liability costs should the horse cause injury or destruction to other parties. It’s not a cut-and-dried formula based on dollars and cents but an individual assessment based on dollars and sense.

The cost of insurance is minimal when compared to the overall costs of maintaining your horses, paying for colic surgery, or paying a lawsuit.

When you’re throwing a party or hosting an event, getting sued is probably the furthest thing you’re your mind. But in today’s litigious climate? Maybe it should be the first thing you think of.

Whether you’re throwing a holiday party, fundraiser, trade show, wedding, or other event, you may need Special Event Insurance to cover your liabilities. This is a short-term policy that only covers your business for an event that it organizes. Whether you’re an event planner, marketing agency, or just a family throwing an elaborate wedding, Special Event Insurance can step in when you’re sued over the property damage, accidents, or injuries that “crash” your party.

Host liquor liability is included if there is no transfer of money for alcohol. Examples, such as a slip and fall or damaged floors are covered by this type of policy. Exclusions do apply.

Tattoo and body piercing insurance is a specific business insurance policy designed to help owners of tattoo shops maintain a profitable business.

Permanent Makeup (PMU) – is cosmetic tattooing for the beauty industry which employs tattoos as a means of producing designs that resemble makeup. The specialized techniques used for permanent cosmetics like eyeliner, eyebrows, lips etc… are often referred to as “micropigmentation”.

Microblading – is a “permanent makeup” technique in which a handheld single blade tool is used. The blade is used so that pigment can be inserted into the skin to emulate eyebrows. Unlike permanent makeup which uses several tiny needles, longer lasting, Microblading is a semi-permanent way to create beautiful eyebrow hair strokes.

• Beauty Salon & Spa Program
• Medi-Spa Services Insurance Program
• Tattoo & Body Piercing Program