Commercial

General Liability Coverage sets the foundation

A commercial general liability (CGL) policy provides coverage to a business for all liability exposures that are not specifically excluded in the policy language. A CGL policy protects the insured against bodily Injury and property damage exposures as a result of operations, premises, products and completed operations. All organizations have liability loss exposures; however, a licensed insurance professional at EP&H can best determine the exposures unique to your business and the coverage best suited to your needs.

Solutions for the complexities of workers' comp

Your state’s law dictates the benefits and compensation you, as an employer, are obligated to pay an employee in the event of a work-related injury or illness. While workers’ compensation laws differ by state, coverage is typically compulsory, although certain small employers and types of employment may be exempt. The benefits covered by a Workers’ Compensation Policy include medical, disability, and rehabilitation benefits. If an employee dies as a result of a work-related accident, funeral benefits and death benefits are provided to the employee’s dependents. Call a professional at EP&H today to get a comprehensive quote on Workers’ Compensation insurance for your company.

We can customize auto coverage specifically for your business

The “Business Auto Coverage Form” is typically included as part of a Commercial Package Policy, but can be issued as a stand-alone, “monoline” policy. Commercial vehicles listed on the policy can be covered for both liability and physical damage from specified causes of loss. Physical damage coverage is optional, but can include both collision and comprehensive damage coverage. A commercial auto policy can also include a number of coverage endorsements that a licensed insurance professional at EP&H can customize to cover the exposures unique to your business.

Umbrella coverage fills out your liability protection

An Umbrella policy is a form of liability insurance protecting policyholders for claims in excess of the limits of their primary business automobile, general liability, and workers’ compensation policies. It also provides coverage for some sources of loss that are not covered by their primary policies. Such cases are subject to a deductible (or self-insured retention). As Umbrella policies are relatively inexpensive, it is worth asking a licensed professional at EP&H to provide you a quote for this extra loss protection for your business.

Specialized liability coverage for professionals

Are you a doctor, lawyer, engineer, insurance agent, real estate agent or do you work in a field that provides professional or consultative services? If so, a Professional Liability policy would protect you from third-party liability claims due to negligence in the performance of those professional services. A licensed agent at EP&H can advise you as to whether your profession puts you at risk for these types of claims.

Environmental (Pollution) Liability insurance is designed to provide protection for the liability exposures that may result from damage, injury and, in some cases, clean-up costs caused by pollution. This coverage is excluded in the standard commercial lines liability (CGL) policy, so consult with a licensed agent at EP&H about whether your business is at risk for these types of claims. Coverage can typically be added to your existing CGL policy with an endorsement.

Protecting the assets of Officers and Directors

Claims from employees, clients and stockholders may be made against any company and against its directors and officers. Since a director or officer can sometimes be held personally responsible for acts of the company, most directors and officers will want to be covered rather than risk their personal assets.

Directors & Officers Insurance (often referred to as “D&O”) protects officers and directors of a for-profit or not-for-profit corporation against damages from claims alleging negligent or wrongful acts in the course of their duties. This form of coverage will also pay the corporation (and even the officers and directors in some cases) a portion of expenses incurred in defending lawsuits arising from alleged wrongful acts of officers and directors

Endorsements that protect organizations from criminal acts

Criminal acts that may not be covered under a Commercial Package Policy can be added with a Commercial Crime Coverage Form. You can select from one or more of the following coverages by endorsement:

  • Employee Theft
  • Forgery or Alteration
  • Inside the Premises – Theft of Money and Securities
  • Inside the Premises – Robbery or Safe Burglary of Other Property
  • Outside the Premises
  • Funds Transfer Fraud
  • Money Orders and Counterfeit Money

A licensed insurance professional at EP&H can explain the details of each policy endorsement and help you choose the coverage that meets your business exposures.

Protecting businesses from loss of income

Business Income coverage is a type of commercial property insurance that reimburses your business’ loss of income due to a covered cause of loss for the period of time required to repair or replace the damaged property. Coverage can also extend to extra expenses incurred as a result of the loss, for example, to move to and operate from a temporary location. A licensed insurance agent at EP&H can provide you with comprehensive information on this important protection for your business.

We represent several "A rated" bonding companies.

Our Bonding/Surety Department is ready to work with you to develop a solid bond program tailored to your company’s needs. The “A rated” bonding companies that we represent can provide you with:

  • Bid Bonds
  • Performance Bonds
  • Fidelity Bonds
  • Public Official Bonds
  • ERISA Bonds
  • Fuel Tax Bonds
  • Permit Bonds
  • Site Improvement Bonds
  • Supply Bonds
  • Etc…

We have power of attorney for many bonding companies enabling us to provide quick, hassle free bonding to our clients.

Guarding against cyber criminals

A primary concern for most organizations is the threat of a data breach — a security incident in which sensitive, protected or confidential data is copied, transmitted, viewed, stolen or used by an individual unauthorized to do so. Data breaches may involve financial information such as credit card or bank details, personal health information, personally identifiable information, trade secrets of corporations or intellectual property. Cyber/privacy liability policies can help you address the multitude of risks related to the use of computers, internet, computer networks, and electronic information databases.

The growing risk of terrorism loss

Terrorism insurance covers property damage or business losses associated with an act that the Treasury Department officially certifies as terrorism for insurance purposes.

Before September 11, 2001, insurance companies provided terrorism coverage to commercial customers for free or little charge. In November 2002, Congress enacted the Terrorism Risk Insurance Act, which outlined insurance coverage for terrorist acts. In the years since, insurers have begun to assess the risk of terror, which is largely affected by location. Businesses in major urban areas that are considered potential attack targets are generally viewed as having the highest exposure.

Despite an ever-changing terrorism risk insurance market, businesses from every industry sector continue to purchase coverage as part of a comprehensive risk management program.

Kidnaps and ransom demands are increasing daily

Kidnap and ransom insurance is designed to protect individuals and corporations operating in high-risk areas around the world. That’s because the possibility of kidnapping, extortion or illegal detention is a very real – and increasing – threat facing individuals, businesses and organizations of all sizes.

Business owners and employees are not only at risk when working or traveling domestically or internationally, but even at home. Is your company prepared for the costs of an event? Even an incident that does not involve a ransom demand or payment can create unexpected costs, such as the fees of negotiators, investigators, attorneys, public relations professionals, forensic analysts, security guards and consultants. In addition, there may be reward money, interest on loans and additional salaries to be paid, or extensive medical costs not covered by traditional insurance plans. Add that all up, and your business may face a significant financial drain, with or without paying any ransom monies.

EP&H stands ready to guide you through the Kidnap & Ransom Insurance marketplace so you are prepared for the multitude of threats present in an increasingly unsettled world.

Personal

Protecting your home and its contents

Your home and its contents are some of your most valuable assets. At EP&H, we understand you want to protect yourself and your family from the loss of a home and be well-versed in the various types of coverage available, whether you own a one-family owned dwelling, condominium, multi-family home, or mobile home. The experienced professionals at EP&H are trained to advise you on the best possible coverage to meet your specific needs to make sure you and your family are protected from what could be a devastating loss. Contact one of our licensed Personal Lines agents today to receive competitive quotes from the multiple insurance carriers that we represent.

Even good drivers need good auto protection

Automobile insurance may be compulsory, depending on state law, and proof of insurance is typically required before a vehicle can be registered. Multiple forms of coverage can be provided on an auto insurance policy, including auto liability, medical payments, and physical damage. A licensed Personal Lines agent at EP&H can advise you on what type of coverage is appropriate for the type of vehicle you drive, where the vehicle is registered, and where you travel. In addition, P.A Post Agency represents multiple insurance carriers and can provide you with competitive quotes from a selection of automobile insurance markets. Call a Personal Lines representative at EP&H today to get a personalized quote that meets your individual needs.

Umbrella coverage fills out your liability protection

A Personal Umbrella Liability policy protects you, the insured, for claims in excess of the limits of your primary personal automobile, residential liability and recreational (boat, RV, motorcycle, etc.) liability policies. It also provides coverage for some sources of loss not covered by those primary policies. Contact a licensed Personal Lines agent at EP&H for a more detailed explanation on how this coverage can protect you from litigation in a variety of circumstances.

Protect your home and its contents against flooding

Flood insurance protects your property from water damage to the structure and/or contents, coverage which ordinarily would be excluded from a traditional homeowner’s policy. Homes in a predetermined “flood zone” are required by mortgage lending companies to carry flood insurance. While flood insurance can be purchased through many different insurance companies and is offered through FEMA, a policy costs the same no matter which company it is purchased through.

Even renters should be protected against loss and liability

If you rent an apartment or dwelling, renters insurance is a package of property and liability coverage designed to protect physical damage losses that could occur to your owned contents. This type of policy also provides liability coverage for personal and premises exposures. Since many optional endorsements are available on a renters policy to add or increase coverage, contact a licensed Personal Lines professional at EP&H to discuss what type of coverage best suits your needs.

Boats can be big assets, and deserve protection

A watercraft insurance policy provides liability coverage and property damage (or hull coverage) on pleasure boats such as yachts, cabin cruisers, and sailing vessels. Specific coverage varies with different insurance companies, so call a Personal Lines representative at EP&H so you can smoothly navigate the ins and outs of coverage for your valuable marine asset.

Take to the highway with full protection

Recreational Vehicle and/or Motorcycle Insurance protects your investment against damage to vehicle or property, theft, vandalism, injury to the insured or other people, personal liability, and/or accidents with uninsured or underinsured drivers. Recreational vehicle policies typically extend coverage to certain personal items, such as outdoor equipment, found in large recreational vehicles. Motorcycles may be covered for custom parts and equipment. A Personal Lines agent at EP&H can provide you with detailed information and competitive quotes to ensure your recreational vehicle is protected from loss.

Don’t overlook the valuables you own

A standard homeowners policy provides limited coverage for valuable items. But if you own valuable assets such as such as furs, priceless art work, expensive jewelry, silverware, cameras, musical instruments, or stamp and coin collections, you will want to protect them with higher limits and against more causes of loss. A “Personal Articles” or “Personal Property Inland Marine” floater can be customized to give comprehensive coverage on your most prized possessions. Contact a Personal Lines professional at EP&H to discuss coverage options and receive competitive quotes on this form of insurance.

Help ease emotional and financial loss

Most of us never want to think about the worst-case scenario: what happens if someone in my family passes away? Beyond the emotional loss, how will my family survive the financial loss of income? Who will pay the bills, not just for funeral expenses, but for basic day-to-day living expenses? Contemplating end-of-life scenarios is never easy, but there is a way to protect you and your loved ones against this kind of financial turmoil: life insurance. Life insurance products allow you to create an estate for your family to be used for any kind of expenses, both immediate and to secure a stable financial future. Contact a licensed professional at EP&H to discuss the many life insurance options available to protect your family’s future.