| Commercial insurance comes in many varieties and the cost can vary wildly! The services of a professional independent agent are important. With a large selection of companies and products from which to choose, we design programs to fit the specific needs of our customer. Our clients tell us that our expertise helps them lower their insurance costs while providing higher levels of protection. May we show you why they feel that way? |
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| Contractors Restaurants Golf courses Religious Farming Auto Services/Garage |
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 Contractors |
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This program targets the smaller trade contractor who has been in business for three years or has five years of experience in the trade. These classes typically have less than $5 million in receipts and subcontract less than 35% of their work to others. For any work that is subcontracted to others, we require the use of written contracts with appropriate risk transfer. Most classes are eligible for issuance under The Insurance People's One & Done system. |
Some of the classes with the greatest success are: Carpentry - Driveway, sidewalk & Parking lot Paving - Electrical, within buildings - Excavation - Grading of land - Heating and Air Conditioning - Janitorial Services - Lawn & Garden Services - Landscape Construction - Masonry - Plumbing - Tile, Stone, Mosaic |
Product and Coverage Highlights The The Insurance People special Contractor's Program is designed to provide contractors with better protection at competitive rates. This enables the successful contractor to keep insurance costs under control without sacrificing protection. It is a Commercial Package Policy-based product that builds in many of the features that cost extra in other programs. |
 Restaurants |
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This program targets Successful family Style and Fine Dining restaurants. |
Product and Coverage Highlights The The Insurance People Resaurant Program is specifically designed to meet the unique needs of restaurants by offering a program that includes essential proerty and liability protection for the successfull business at a competitive price. A variety of options provide flexibility to tailor the program to each individual business. |
Built-In Property Protection Spoilage of Refrigerated Property Food Contamination Ordinances or Law Back-up of Sewers Outdoor Signs As well as Systems Power Pac Coverage for: Equipment Breakdown |
 Golf Courses |
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This program targets public Golf Courses and Private Country Clubs. This program also targets Driving Ranges and Miniature Golf Courses without amusement rides, or batting cages. |
Product and Coverage Highlights The Insurance People's program for Golf Course establishments builds in many extra coverages at no additional cost. |
 Religious Institutions |
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This program targets traditional denomination religious institutions. |
Product and Coverage Highlights The Insurance People's program for religious institutions builds in many extra coverages at no additional cost. Examples of these general liability, property and automobile additional coverages include: |
Specialized Liability Protection |
 Farming |
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Every farm has its own unique operation. Some farms may cater to dairy or poultry, while other farming operations may strictly focus on grain and feed. The Insurance People can also accomidate the gentleman farmer - one who farms on a part-time basis. The Insurance People understands the farmer's need to tailor insurance coverage to meet the specific needs of the farm and home. |
| Property Coverage The Insurance People will provide complete protection for your property exposures such as: home, farm buildings, farm equipment, household personal property and livestock. Liability Coverage Will protect you for bodily injury, property damage, personal injury, advertising injury and medical payments. Additionally, this coverage protects your legal liability on all promises you own and rent, and for your products. |
 Auto Services/Garage |
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This program targets Auto Repair Shops - Auto Body Shops - Auto Parts Stores - Audio, Alarms, Sunroofs with Installation - Automatic Car Washes - Detailing Shops - Engine Repair - Glass Shops - Muffler Shops - Quick Lube Shops - Tire Dealers - Transmission Shops - Upholstery Shops The target Auto Services/Garage account is an established, well managed operation that services and repairs private passenger autos, light trucks, sport utility vehicles and vans. These risks should have excellent housekeeping and show pride in ownership. |
Product and Coverage Highlights The Insurance People's program is a Commercial Package Policy-based product that allows the successful business operator to obtain preferred coverage at a competitive price. |
The Insurance People