Commercial Insurance

Insurance may be invisible, but it’s essential to the long-term existence of your enterprise.  Without adequate coverage, a crisis can end in financial ruin.

You can depend on Neely, Craig & Walton to plan, implement and monitor an innovative and sound risk management program that best suits your needs.

• Property - Is an essential and basic insurance that pays the owner for loss of or damage to buildings and contents (furniture, inventory, etc.) owned by the company.
  
  
• Workers Compensation - Provides for cost of medical care and rehabilitation for injured workers and may also cover lost wages and death benefits if a worker is killed in a work-related accident. Minimum requirements can vary from state to state.
  
  
• Commercial General Liability - Protects the assets of a business when it is sued for something the business did, or failed to do, arising from injuries or property damage caused by its products, completed jobs, operations, premises and/or other actions.
  
  
• Medical Malpractice - Covers doctors and other medical professionals for liability claims stemming from treatment of patients.
  
  
• Automobile - Protects the business from property damages and/or liabilities associated with the company’s vehicles and their operation.
  
  
• Umbrella - Increases the liability protection provided by the company’s insurance policies to cover large, but rare, losses, such as (for example) injuries caused by an automobile accident wherein there is significant bodily injury or loss of life. Chances are the claim will exceed the limits on the automobile liability policy and require the additional limits of liability of an umbrella.
  
  
• Directors' and Officers' Liability - Covers the company’s directors and officers for omissions or negligent acts and/or for misleading statements that result in suits. May be personal coverage or corporate reimbursement coverage.
  
  
• Business Interruption - Is a form of property insurance that covers loss of income resulting from a catastrophe that disrupts business operations, and may also include the expenses of operating from a temporary location.
  
  
• Boiler & Machinery - Also known as “mechanical breakdown” or “system breakdown” coverage, this pays for repairs to and/or damages from equipment failure. Examples: heating, cooling, communications, electrical or computer equipment.
  
  
• Crime - Covers losses of inventory, equipment, money and other property from peril or due to crimes, such as theft or embezzlement. Typical commercial property insurance may exclude this.
  
  
• Bonds: Surety, Contract and Fidelity - Surety bonds provide monetary compensation if a policyholder fails to perform specific actions, such as completing a construction contract within a certain time period. Contract bonds protect parties in a contract if items and stipulations within that contract are not fulfilled or completed. Fidelity bonds protect an employer from losses caused by an employee’s dishonesty.
  
  
• Employment Practices Liability - Is protection for an employer against claims by current employees, past employees or future employees of discrimination, wrongful termination, sexual harassment and other employment-related allegations and lawsuits.
  
  
• Flood - Coverage for water damages or destruction often is not included in standard property insurance coverage. Therefore, a separate policy or rider may be necessary if situation warrants.
  
  
• Farm & Ranch - Provides coverage to farm owners and ranch owners against several named perils and liabilities, and covers dwellings and contents, as well as barns and other buildings or structures.
  
  
• Insurance Products - Various products combine certain coverages into packages that vary according to the needs of the insured.

Commercial Insurance Companies We Represent

Medical Malpractice Companies We Represent