What Kind Of Insurance You Need To Shoot A Production Short

Every day in Los Angles there are literally dozens of production companies shooting, commercials, training films, full length motion pictures and documentaries. All these activities bring with them unique risks that should be insured. And when it comes to entertainment insurance, John hart Insurance has the solutions.

Here is a short overview of what you might consider:

·         Rented Equipment

·         Owned Equipment

·         Cast Coverage

·         Props, Sets and Wardrobe

·         Negative & Faulty Stock

·         Third Party Property Damage

·         Extra Expense

·         General Liability

·         Automobile Liability and Physical Damage

·         Workers Compensation

Once a film, television pilot, commercial, or documentary is finished, the next step is normally distribution. Most distributors will require the production company obtain an Errors and Omissions policy on the production. If you are a distributor, you should always carry your own E&O policy, in addition to requiring each of the productions you distribute to be covered. When purchasing your insurance policies, it is once again important to remember that the amount of coverage you purchase is wholly dependent upon the type of project you’re working on.

The staff at John Hart Insurance has over 60 years combined experience in the field of entertainment insurance.  We focus exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies.  This knowledge base allows us to structure an insurance program specifically for each client that will be a balance of the best coverage and most.

Rental House Coverage for the Entertainment Industry

Rental houses and other post-production facilities are an important part of the entertainment industry.  These locations all have unique exposures that need to be insured.  Our agency has the markets for this type of risk, and can offer you many options for your rental house insurance.

What Kind of Coverage Do Rental Houses Need?

•          Commercial General Liability
•          Umbrella
•          Workers’ Compensation
•          Crime Coverage
•          Equipment Breakdown Coverage
•          Property of others in your care
•          Commercial Business Automobile
•          Commercial Property
•          Earthquake or flood insurance
•          Business Interruption
•          Entertainment Property Floater

The staff at John Hart Insurance has over 60 years combined experience in the field of entertainment insurance.  We focus exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies.  This knowledge base allows us to structure an insurance program specifically for each client that will be a balance of the best coverage and most economical solutions to help them manage the risks inherent to their unique businesses.

Entertainment Property Insurance….Coverage Is King!

Most entertainment business owns business property, and may also own the building in which you run your operations. Entertainment property insurance protects the physical assets of your business, such as computers, office equipment, cameras, film, buildings, furniture, fixtures, and other property.

Every business should have a comprehensive property insurance portfolio to respond to the many risks associated with property ownership. Property policies offer many unique kinds of coverage, some of which we have highlighted:

• Building Coverage - allows you to quickly rebuild or repair buildings or other property damaged by fire, theft, natural disaster or other events, allowing you to return to normal operations.
• Business Personal Property Coverage - covers costs to replace the contents in your building if they are stolen or destroyed by a covered unforeseen event.
• Business Income Coverage - provides for continued income or lost revenues while the building and its contents are being rebuilt and replaced.  Business income helps you to cover operating and normal payroll expenses needed to keep an organization operating after a loss, usually for a specific time period.
• Production Equipment – Covers your cameras, and other production equipment.
• Building Ordinance Coverage - covers the increased cost to comply with building codes, ordinances or laws that have changed after your building was originally constructed. For example, under revised building codes you may now be required to install sprinklers which would increase the value of construction. 
• Outdoor Signs and Property Coverage - covers costs to replace outdoor fences, signs, trees, shrubs or plants.
• Equipment Breakdown Coverage - covers loss due to failure or breakdown of equipment such as boilers, heating systems, and electrical equipment.
• Computer Coverage - covers costs to replace or repair damaged hardware, software, data or media vital to your operations.
• Earthquake Coverage - provides insurance to repair or replace damaged equipment and/or buildings resulting from an earthquake. Earthquake coverage is typically excluded under most property policies.

The staff at John Hart Insurance has over 60 years combined experience in the field of entertainment insurance.  We focus exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies.  This knowledge base allows us to structure an insurance program specifically for each client that will be a balance of  the best coverage and most economical solutions to help them manage the risks inherent to their unique businesses.

How Event Cancellation Insurance Can Save Your Production

Most entertainment companies do everything possible to make sure that shows and productions are opened on time. But sometimes there are circumstances that just can’t be helped. Fire, natural disaster, and talent illness can cause events to be cancelled. Special Event Insurance can provide the necessary security to ensure that if something does go wrong, you and your guests are protected.

Event Cancellation Insurance/Special Event Insurance from Movie Insure protects production companies from unforeseen circumstances that require the show to be canceled. It would provide funds to cover deposits and other costs that may have already been paid. Unforeseen circumstances could be related to any number of things including weather, construction at the venue, or illness of the featured speaker or entertainer. Policies can be created to protect revenues or expenses for those with insurable interests should an event be cancelled.

Event Cancellation Insurance is an important insurance to consider. If a loss occurs, John Hart will work closely with you to file documents quickly and accurately so your event can go on as planned.

The staff at John Hart Insurance has over 60 years combined experience in the field of entertainment insurance.  We focus exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies.  This knowledge base allows us to structure an insurance program specifically for each client that will be a balance of the best coverage and most economical solutions to help them manage the risks inherent to their unique businesses.

How We Help Employers Manage Workers’ Compensation Costs

An Entertainment Workers’ Compensation Update

There are over 4.1 million workplace injuries in the Unites States each year, according to OSHA.  Employers spend about $155 billion on work related injuries each year.  There is no doubt workers’ compensation is a big expense for employers.

The good news is there are many actions an insurance agent can do to help employers reduce workers’ compensation costs.

• Search the market for options and program designs that fit the individual needs of each employer.

• Help build a bridge between the insurer and business.

• Educate employers about how workers’ compensation works.

• Work with employers in the development of a safety program.

• Analyze all classifications to make sure they are correct.

• Help the company prepare for the workers’ compensation premium audit.

• Provide the framework for an early return to work program.

• Help the company review accidents and claims to determine trends and then create safety solutions.

• Facilitate a claims review with the insurer to make sure all claims are being processed correctly.

• Be a resource to the business by bringing in other service providers to solve problems; i.e., attorneys, safety professionals, and third party claims consultants.

Workers’ compensation is an important part of your entertainment insurance program. It is required by state law that your business has workers’ compensation insurance.

The staff at John Hart Insurance has over 60 years combined experience in the field of entertainment insurance.  We focus exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies.  This knowledge base allows us to structure an insurance program specifically for each client that will be a balance of the best coverage and most economical solutions to help them manage the risks inherent to their unique businesses.

Test Your Entertainment Business Insurance IQ

An Entertainment Business Insurance Update

We don’t expect you to be experts in business insurance, but we thought it might be fun to test you on what you do know about your entertainment insurance. Business insurance is designed to cover unexpected losses. We can offer a wide range of business insurance options, so please call our office today.

Business Insurance Quiz (answers at the end)

1. Your deductible is the amount you are responsible for if a covered loss occurs.
2. Flood and earthquake coverage are always part of your business property coverage.
3. Cyber Insurance is protection against losses caused by hackers from businesses dealing strictly in e-commerce, but it does not exist.
4. Business Interruption covers your lost income no matter what kind of loss closes your business.
5. My employees are prohibited from suing me, as this would be a workers’ compensation claim.

The staff at John Hart Insurance has over 60 years combined experience in the field of entertainment insurance.  We focus exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies.  This knowledge base allows us to structure an insurance program specifically for each client that will be a balance of the best coverage and most economical solutions to help them manage the risks inherent to their unique businesses.

Answers

1.       True-

2.       False- You need to add this coverage under a separate policy

3.       False- Cyber insurance can be purchase by all business

4.       False- Business interruption only applies to covered losses under the policy

5.       False- Your employees have rights under federal and state laws to sue you if they feel they have been wronged.  You would need employment practices liability insurance in order to protect you and your business from employee lawsuits.

Common Mistakes Made When Purchasing Entertainment Insurance

Business Insurance 101

We work with hundreds of businesses and help them manage their commercial insurance programs. Our team recommends coverage and risk options as part of our regular services. Over the years, we have seen some businesses make preventable mistakes when considering their insurance coverage.  We thought it would be good to share these with you.

Entertainment Insurance Mistakes

Mistake: Assuming you do not need an agent.

Your agent can provide valuable services including educating you on what coverage you need and may not need.  Your agent can search the market for the best possible combination of coverage, price and service.

Mistake: Thinking that your policy covers all losses.

Your business insurance policy is intended to cover unexpected losses and accidents subject to the policy terms.  There are limitations and exclusions in every policy.

Mistake: Assuming that the lowest price is the best option.

It may be that the lowest priced insurance excludes needed coverage.  Your agent can help you determine the best coverage option for you.

Mistake: Not including cyber liability, employment liability, and professional liability in your business insurance program.

In today’s litigious climate, all businesses need to be protected with this coverage.

The staff at John Hart Insurance has over 60 years combined experience in the field of entertainment insurance.  We focus exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies.  This knowledge base allows us to structure an insurance program specifically for each client that will be a balance of the best coverage and most economical solutions to help them manage the risks inherent to their unique businesses

Every Entertainment Business Should Consider These Three Coverages

A Business Insurance Update

One of the best things a entertainment business owner can do to protect his or her business, is to have a business insurance program that covers your business in the best way possible.  Your business insurance program should include; Faulty Stock, Camera and Processing,  Employment Practice Liability, and Errors & Omission Liability insurance.  These coverage’s can often be bundled together through a management liability policy.

Employment Practices Liability (EPLI)

EPLI insurance provides coverage for claims involving employment harassment and discrimination in the employee/employer relationship.  Examples of these kinds of claims are wrongful dismissal/termination, sexual/racial/disability harassment, sexual/racial/disability/religious discrimination, employment related libel, slander, defamation and invasion of privacy, wrongful failure to employ or promote, and retaliation.

 Faulty Stock, Camera and Processing

Covers loss, damage or destruction of raw film or tape stock, exposed film (developed or undeveloped), recorded videotapes, sound tracks and tapes, caused by or resulting from fogging or the use of faulty materials (including cameras and videotape recorders); faulty sound equipment; faulty developing; faulty editing or faulty processing; and accidental erasure of videotape recordings.

Errors and Omissions

Covers legal liability and defense for the production company against lawsuits alleging unauthorized use of title, format, ideas, characters, plots, plagiarism, unfair competition or piracy. Also protects for alleged libel, slander, defamation of character or invasion of privacy. This coverage will usually be required by a distributor prior to release of any theatrical or television production.

The staff at John Hart Insurance has over 60 years combined experience in the field of entertainment insurance.  We focus exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies.  This knowledge base allows us to structure an insurance program specifically for each client that will be a balance of the best coverage and most economical solutions to help them manage the risks inherent to their unique businesses.

John Hart Insurance Offers Event Cancelation Insurance

No matter how well events are planned and organized, there are many things that can go wrong which can cause the event to be cancelled.

Event cancellation insurance provides protection for organizations, event planners, production companies and others that host conventions, plays, concerts, trade and consumer shows.  Coverage is available for indoor and outdoor events held nearly anywhere in the world. If your event is cancelled, you still may have legal and financial obligations. If you are holding a concert, comedy show or other entertainment event, call John Hart today.

Event cancellation Insurance can cover expenses or lost revenue that you might stand to lose if the event you are managing or promoting is cancelled or postponed due to unforeseeable reasons beyond your control.

Insurance coverage can include protection from adverse weather, heavy rain, fire, collapse or destruction of the event site, damage to surrounding venues or infrastructure, disease outbreak resulting in lack of access, power failures, and strikes. Other coverage can include non-appearance of a key speaker or entertainer, failure to vacate the event facility, and physical loss of personal property and door registration receipts. 

You have a lot invested in your event, and event insurance is a good way to protect that investment. No matter how much time, energy and money you invest in your events, there may be factors beyond your control that can cause costly cancellations or interruptions.

The staff at John Hart Insurance has over 60 years combined experience in the field of entertainment insurance.  We focus exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies.  This knowledge base allows us to structure an insurance program specifically for each client that will be a balance of the best coverage and most economical solutions to help them manage the risks inherent to their unique businesses.

The Top Five Things Every Entertainment Company Needs To Consider

An Entertainment Insurance Update

Your business needs the right entertainment insurance in order to protect you from the many risks to which you are exposed.  Business insurance will respond to many of your risks subject to the terms and conditions of your policy.  Here are the top five things every business owner needs to consider when securing commercial insurance.

Our “Top Five” List

• Use an independent agent who is experienced in your industry.
• Select your agent based on their qualifications, not because they offered you the lowest priced policy.  Buying low priced business insurance sounds good-- until you have an uninsured claim.
• Consider increasing your property deductible. Many businesses can save a lot of money simply by increasing their deductible to $2,500 or even $5,000.
• Higher liability limits can be purchased for a relatively small amount.  Consider an umbrella policy which would increase your protection.
• Always consider cyber risk, employment practices liability, and professional liability coverage. Professional liability covers legal liability and defense for the production company against lawsuits alleging unauthorized use of title, format, ideas, characters, plots, plagiarism, unfair competition or piracy. Also protects for alleged libel, slander, defamation of character or invasion of privacy. This coverage will usually be required by a distributor prior to release of any theatrical or television production.

The staff at John Hart Insurance has over 60 years combined experience in the field of entertainment insurance.  We focus exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies.  This knowledge base allows us to structure an insurance program specifically for each client that will be a balance of the best coverage and most economical solutions to help them manage the risks inherent to their unique businesses.

What is Your Biggest Business Fear?

An Entertainment Insurance Update

In a recent study conducted by the Business Continuity Institute, the threat of cyber-attack is one of the biggest fears of large companies.  However, did you know that according to the Insurance Information Institute, small businesses actually have a greater chance of having a cyber-attack than they do of having a fire?  It is very important that your business insurance program have cyber coverage.  If you are not sure you have this coverage, call our office today.

Other Business Concerns
Our clients often share current business concerns with us, and together we help find solutions.  Some of these include:

• Business Interruption - Business Interruption Insurance keeps you financially stable if you are forced to vacate your business premises or if you had a production shut down for some reason. .  You can continue to provide your employees with pay and manage bills during the period in which the business cannot operate.
• Attract top Talent – Getting the top people has always been an important part of business planning. It is important to keep your employees engaged and energized in the business process and planning.
• Social Media Activity – Social media can be a good tool to enhance your businesses brand and reputation.  The downside is that social media can also be inflammatory.  We recommend that you have a social media policy that outlines what employees can and cannot post regarding your business. 
• Regulatory Risk -The regulatory climate is always changing for businesses.  Almost every month there is some new law, regulation, or statue with which your business must now comply.  Remember, your business insurance generally does not cover fines or penalties imposed by Local, State, or the Federal Government.

The staff at John Hart Insurance has over 60 years combined experience in the field of entertainment insurance.  We focus exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies.  This knowledge base allows us to structure an insurance program specifically for each client that will be a balance of the best coverage and most economical solutions to help them manage the risks inherent to their unique businesses

How To Hire Part Time Seasonal Workers

Entertainment Insurance update 

Many entertainment companies may be hiring part time workers to fill production needs. For the most part, you will not need to modify your business insurance, but if you add new classifications or payroll, it may affect your workers’ compensation insurance.  Now might be a good time to have us complete a review of all your business insurance policies.

Here are few tips to help you manage seasonal employees

• Make sure part time employees get the same training as all other employees.
• Conduct background screenings on part time candidates.
• Unless the job requires it, it is not a good idea to give seasonal employees access to computers or other secure information.
• Don’t allow seasonal employees to work alone.
• Remember the Fair Labor Standards Act (FLSA) requires employers to properly classify workers, pay the legal minimum wage, and pay overtime if applicable.
• Part time employees should also read and sign the employee handbook.
• Your business is legally required to carry workers’ compensation insurance coverage, as most fair-employment laws cover seasonal employees. 
• If you notice cliques or bad habits forming, don’t assume that they will self-correct. 
• Employers with 15 or more employees are subject to Title VII of the Civil Rights Act of 1964, the Americans with Disabilities Act, and other federal and state employment laws. This means your seasonal employees, just like your regular workforce, must receive adequate training on what conduct is illegal, how to report it, and how to request a reasonable accommodation.
• Maintain a detailed account of where each employee works, the kinds of tasks they are assigned, number of hours completed, and their rate of pay.
• When it is time to end the part time employment, follow the same procedures as you would with a full-time or permanent employee.

The staff at John Hart Insurance has over 60 years combined experience in the field of entertainment insurance.  We focus exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies.  This knowledge base allows us to structure an insurance program specifically for each client that will be a balance of the best coverage and most economical solutions to help them manage the risks inherent to their unique businesses.

Can Entertainment Companies Reduce Workers’ Compensations Costs?

It is a fact that many employers actually overpay for their workers’ compensation premiums.  Workers” Compensation Coverage provides medical, disability or death benefits to any cast or crew member who becomes injured in the course of their employment. Coverage usually applies on a 24 hour per day basis whenever employees are on location away from their homes. Individuals who call themselves "Independent Contractors" will usually be held to be employees as far as Workers' Compensation is concerned, and failure to carry this insurance can result in having to pay any benefits required under the law plus penalty awards.

The experience mod is a factor unique to each employer. In simple terms, this formula is designed to compare a specific employer’s historical claim and payroll data, to other employers with similar business operations. An individual employer’s experience mod is calculated using claims data compared to premiums from the three most recently completed years, excluding the expiring term.

Key points to consider

• If your losses are increasing, your mod most likely will go up even if your payroll goes down.
• The frequency of losses hurt you more than the severity of losses.
• It is important to check the calculations on the experience modification worksheet each year.
• The most common errors are incorrect or incomplete payroll data.
• Your workers’ compensation mod is the single most important factor insurers use to identify your risk.
• Your mod can be reduced through effective safety and loss control programs.

How to reduce your mod?

• Develop a safety program.
• Reward safety in the workplace.
• Start a return to work program.
• Investigate every accident and make corrective actions if needed.
• If you suspect fraud, immediately inform the insurance company.
• A disciplinary program also should be incorporated into the safety program; it should hold employees accountable for breaking the rules.

The staff at John Hart Insurance has over 60 years combined experience in the field of entertainment insurance.  We focus exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies.  This knowledge base allows us to structure an insurance program specifically for each client that will be a balance of the best coverage and most economical solutions to help them manage the risks inherent to their unique businesses.

Property Insurance For Film & Production Companies

Property insurance is critical to all film and entertainment firms. You have hundreds of thousands of dollars’ worth of equipment that you need to run your productions. The entertainment property policy you purchase has many different terms and we thought it would be good to review.

Covered property includes your equipment and related property used in the entertainment industry including audio, visual, computer, recording, lighting and projection equipment, wardrobes, props, costumes, and fine arts, as well as similar property of others that is in your care, custody, and control.

Property Loaned, Leased or Rented to Others-You’ll have coverage for direct physical loss to covered property you own that you loan, lease, or rent to others.

• Accounts Receivable- Coverage is provided to reestablish accounts receivable records damaged as a result of a covered, direct physical loss.
• Extra Expense- Commonly used equipment is easily and quickly replaced. Specialized or customized equipment may not be. To help you keep your performance commitments, your policy can cover the necessary and reasonable expenses up to a specific limit to expedite the repair or replacement of covered property. We can also cover the expenses to temporarily rent replacement property until your damaged property can be reasonably repaired or replaced.
• Business Personal Property-Your policy covers direct physical damage to your business personal property resulting from a covered cause of loss.         

Note: All coverage described here would be subject to specific limits depending on policy terms.

The staff at John Hart Insurance has over 60 years combined experience in the field of entertainment insurance.  We focus exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies.  This knowledge base allows us to structure an insurance program specifically for each client that will be a balance of the best coverage and most economical solutions to help them manage the risks inherent to their unique businesses.

What Does Outstanding Customer Service Look Like?

Superior Insurance Service For The Entertainment Industry

Have you left a business and thought, “How are they even in business”? Or have you gotten off the phone and said, “They don’t understand or care about my needs or even respect me”?  We have had those experiences, and we don’t ever want any of our customers to feel that way about our firm. 

Outstanding customer service can mean something different to each person. However, we believe there is a basic underlying attitude of a firm that provides outstanding customer service. We would like to share our thoughts on what our firm believes contributes to outstanding customer service. 

Outstanding customer service is a mindset that we want every employee to have. 

We practice three basic principles when relating to clients: empathy, appreciation and helpfulness.

• Empathy - We will consider and understand your opinion and needs. We will educate you on the details of insurance so that you can make an informed decision.
• Appreciation - You are important to us and you should be told so. We will value our relationship with you and treat you with respect and trust.
• Helpfulness- When you call our agency you will talk to a licensed professional who lives and works in the community. We will listen to your requests and provide thoughtful responses. We will always say thank you. We know you have choices when it comes to selecting your insurance agent, and we appreciate that you have chosen us.

Here are other guiding principles that every agency should live by

• Do what you say you are going to do. If you say the certificate will be delivered by 10:00 am Tuesday; deliver it before or on time.
• Own your mistakes. No agency is perfect, so when a mistake is made, take responsibility and identify corrective measures to prevent it from happening again. 
• Care about the customer. Genuinely care about your customers and their experiences. When a loss occurs we will get involved as if the loss happened to us. 

The staff at John Hart Insurance has over 60 years combined experience in the field of entertainment insurance.  We focus exclusively on understanding the unique needs of motion picture, television, video, music and theatrical companies.  This knowledge base allows us to structure an insurance program specifically for each client that will be a balance of the best coverage and most economical solutions to help them manage the risks inherent to their unique businesses.

What Does Property Insurance Cover?

Entertainment Property Insurance

John Hart Insurance has provided all facets of the entertainment industry with highly specialized insurance coverage and service. Whether it's for crew, talent, props, equipment, or intellectual property, our experts can satisfy your unique insurance needs.

Most of our entertainment clients purchase property insurance. There is a variety is coverage options depending on your individual needs.

Types of Industries we insure

•      Commercial films
•          Music videos
•          Musicians
•          Concert promoters
•          Entertainers and performers
•          Performance venues
•          Commercials, documentaries, industrial & educational training films
•          Commercial films
•          Music videos
•          Musicians
•          Broadway productions
•          Rental houses
•          Concert promoters
•          Entertainers and performers
•          Performance venues
•          Commercials, documentaries, industrial & educational training films

What are the kinds of property coverage needed in the entertainment industry?

•          Property in transit and temporary locations
•          Insurance for buildings and office equipment
•          Property for special props and sets
•          Specialized insurance for cameras
•          Intangible coverage: Includes patents, scripts, copyrights and trademarks
•          Computer virus protection: Covers the loss of data and business through computer viruses
•          Crime and employee dishonesty
•          Business income and extra expense
•          Boiler and machinery coverage

We can examine your current policies to see if you have the coverage you need. Just request an insurance review. An experienced agent will meet with you to go over your policies and explain any details you might not be sure about. As an independent commercial insurance agency we work with a variety of insurers who may be able to provide a quote for your property coverage that could save you money as well.

What Does Property Insurance Cover?

Most of our entertainment clients purchase property insurance. One question we often have is, do clients ever actually read their policies? We hope so. We recommend that every client read their policy and try to understand it. But in case you have not gotten to that, here is an overview of commercial property insurance. Policies will vary, so consider this a brief overview.

The purpose of property insurance for the entertainment industry is to provide financial assistance in the event of a loss (fire, wind, theft) so that the organization can continue to operate with as little disruption as possible.

What is typically covered under a property policy?

• Buildings, furniture, fixtures, inventory, personal property, equipment, cameras, props, sound equipment, etc.

What kinds of losses are covered?

•  Fire, wind, lightning, vehicle damage to the building, weather, theft plus others

What are common exclusions?

•  Earthquake, flood, wear and tear, hurricanes, property not owned by your firm

What are the kinds of coverage needed in the entertainment industry?

•     Property in transit and temporary locations
•          Property for special props and sets
•          Intangible coverage: Includes patents, scripts, copyrights and trademarks
•          Computer virus protection: Covers the loss of data and business through computer viruses
•          Crime and employee dishonesty
•          Business income and extra expense
•          Boiler and machinery coverage

We can examine your current policies to see if you have the coverage you need. Just request an insurance review. An experienced agent will meet with you to go over your policies and explain any details you might not be sure about. As an independent commercial insurance agency we work with a variety of insurers who may be able to provide a quote for your property coverage that could save you money as well.