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COMMERCIAL LINES INSURANCE
We are pleased to be Licensed in the following State: Louisiana, Arkansas, Alabama, Florida, Georgia,
Mississippi, North Carolina, Tennessee, and Texas.
We
know just how important your business is to you. As a business owner
you have a lot to protect. That's just one of the reasons why we take
the time to...
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We take the time to effectively analyze your
business needs.
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We help you develop a plan that is customized
and responsive to your own specific situation.
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We can offer you very competitive pricing
reflective of your exposure and experience.
Running a business in today's economy is a challenge,
but can also be very rewarding. Although keeping up with day-to-day operations
takes up most of your time, you also must take all necessary precautions
to safeguard your business from loss.
Whether you own an office building or a coffee shop, we
offer the right combination of coverages to meet your needs.
Our many products and coverages can be tailored to meet
your business insurance needs. Furthermore, our Business Policies are
customized and responsive to your specific needs, no matter how big or
small. The companies we represent may even provide the opportunity
to package many of these coverages within a single policy.
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Commercial Automobile
- this coverage is available to protect your business from the
liability associated with operating automobiles. Coverage is available
for owned, non-owned, and hired vehicles including autos, trucks, vans,
tractors and trailers. Physical damage coverage is also available. |
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Commercial Property
- provides coverage for your buildings and contents. Coverages range from specific named-perils policies to broader all-risk
policies. |
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Inland Marine
- provides coverage for business assets and hardware while these
items are off premises. |
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Workers' Compensation
- this coverage is designed to meet the workers' compensation
laws of your state. Workers' compensation coverage provides protection
for injured workers and supporting protection through employer's
liability coverage. |
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Commercial Liability
- provides coverage including defense for
liabilities associated with operating a commercial business enterprise.
Policies are tailored to meet the specific risk management needs of your
business. |
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Umbrella and Excess Liability
- this coverage complements your
property/liability program and provides additional limits of coverage.
In today's litigious society, smart business people protect their
investment with umbrella coverage. |
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Professional Liability
- provides coverage for defense costs and awards for liability
arising from improper professional practices and errors and omissions in
the conduct of business activities. |
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Directors & Officers
- designed to protect the directors and officers of your
organization from damages and defense costs due to civil claims, claims
of negligence, and of errors and/or omissions. |
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Employment Practices Liability
- provides coverage for defense costs and liability arising
from allegations of improper employment practices, sexual harassment,
and discrimination. |
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Home Based Business
- homeowners insurance does not necessarily cover many home
business-related claims. This could mean a major loss of income, as well
as other significant losses, for your home business. If you have a
home based business consider contacting us to discuss proper coverage
options that offer both protection and affordability. |
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Ordinance or Law Coverage
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of the most needed types of coverage is also one of the most commonly overlooked, or even known about, by consumers.
It's called Ordinance or Law Coverage. As your building becomes
older certain changes in your county's building codes and ordinance
change to reflect new standards for construction. If your older
property suffers a substantial loss, fixing it may require a higher
construction standard to reflect new laws, therefore simply replacing
your property as it was just isn't good enough to meet these new laws
and codes. Ordinance or law coverage pays for these upgrades in
building standards. |
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Special Event Coverage
- provides third party liability coverage for a short term
special event. |
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Learn More About Business Insurance from the Dedicated
Professionals at Carmouche Insurance, Inc....
[Simply click on any topic to view greater
detail]
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Inland Marine
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Inland Marine Insurance For Your
Business
If
you move goods or equipment from one location to another, or have an
off-premises exposure, you need the special protection of Inland Marine
coverage. Inland Marine can protect many types of property including
property at your location, in transit, at a customer's location, or
property of others in your care. We have numerous coverages designed
to provide you with the specific protection your business needs.
The following is a list of only some of
the coverages
available:
- Accounts Receivable
- Boat Dealers and Marina Operators
- Builders Risk and Installation
- Camera and Musical Instrument Dealers
- Contractors Equipment and Tools
- Electronic Data Processing Equipment
- Equipment Dealers
- Exhibition
- Fine Arts
- Merchants Property
- Mobile Communication Equipment such as cellular phones,
CBs, etc.
- Motor Truck Cargo Carriers
- Physicians and Surgeons Equipment
- Radio and TV Towers
- Salespersons Samples
- Signs
- Transportation
- Valuable Papers
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Property Insurance
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Property Insurance For Your
Business
We offer a variety of excellent property coverages for your business' buildings, personal property, and income. All property
policies include additional coverage at no charge that provides higher
coverage limits than most standard policies, in addition to extra coverages
normally not found. Some coverages even offer you the option to purchase
higher limits.
The following list only highlights some of the
coverages included:
- Newly Acquired Property and
Business Personal Property
- Property Off-Premises
- Outdoor Property and Outdoor Signs attached
to Buildings
- Lawn Coverage on which your property is located
- Arson Reward information leading to an arrest
- Extra Expenses incurred to keep your business
running after an insured loss
- Water Back-up and Overflow from sewers, drains
or sumps
- Money and Securities
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General Liability ▼
General Liability Insurance For Your
Business
You must protect your customers from potential injury –
your financial security can be put at risk if you are legally liable
for damage to someone's property or if someone is injured as a result
of your business operation. No matter how thoroughly you have been trained
in your line of business, you are not fully protected unless you have
liability insurance.
Liability coverages include:
- coverage for tenants' property damage liability
- Medical Payments
- Expanded Fire Damage – coverage is extended
to apply not only as a result of fire, but also explosion, release
of smoke from an unfriendly fire, or sprinkler leakage incidents
- coverage is provided for additional insureds when
required by written contract
- Extended Property Damage – coverage is provided
for bodily injury and property damage resulting from the use of reasonable
force to protect persons or property
- additional insured status is extended to employees
who provide professional health services when this exposure is incidental
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Umbrella Liability ▼
Umbrella Liability Insurance For
Your Business Umbrella policies offer additional protection for
catastrophes, unusual exposures, and additional liability limits beyond underlying
insurance coverages.
- High limits
– Affordable protection of $1,000,000
or more for each occurrence in excess of the underlying insurance.
- Broad coverage
– Protection goes beyond the scope
of coverage provided by the underlying insurance.
- Legal costs in addition to limits
– Legal defense
costs are covered in addition to the umbrella limits of liability.
- Legal defense from the first dollar
– If the
underlying policy does not provide this protection, legal defense and settlement costs are
covered from the first dollar.
Our umbrella policy is designed to meet clients' needs for a
well-rounded business insurance program.
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