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Property & Casualty
SGB offers a complete portfolio of insurance products and services designed to work together to meet today’s needs and achieve tomorrow’s goals. Our intention is to help you choose coverages that best fit your individual needs.
Moreover, SGB commands the attention of a majority of the dominant insurance carriers. We choose and compare the best companies for your needs. Our criteria includes top rated carriers that are not only financially secure, but also have superior customer service track records as well as competitive pricing.
Coverages include but are not limited to:
Auto
Directors & Officers
Earthquake
EPLI
General Liability
Property
Worker's Compensation
Auto: Helps protect against losses involving automobiles. Different coverages can be purchased depending on the needs and wants of the insured, e.g., the liability covereages of bodily injury liability, property damage liability, medical payments, and the physical damage coverages of collision and comprehensive.
Directors & Officers (D & O): Directors and Officers Liability coverage is necessary to protect directors, officers, and companies accused of negligent or fraudulent activity.
Earthquake: Earthquake insurance extends those causes of loss for which covered property is insured, to included earthquake and the earth movement associated with volcanic eruption. These occurrences are otherwise excluded. In general, insurance for the earthquake cause of loss is written when the property involved is insured in the same policy against other causes of loss, including fire. This minimizes adjustment problems, as fire often accompanies earthquake.
EPLI: Employment Practices Liability (EPL) Insurance covers the insured company, its directors and officers, and its employees for liability arising from one of two exposures:
- Wrongful termination -The main cause of loss is firing without good, make that very good reason. And, document everything thoroughly before you do fire. OR
- Sexual harassment - Unwelcome sexual advances, as a condition of employment, are illegal.
General Liability: All commercial ventures of every type need to be liability conscious. Protection for third-party bodily injury and property damage claims may be insured under a Commercial General Liability Coverage Form which includes coverage for both premises and products-completed operations exposures
Property: Business personal property coverage under this form may be written to cover all contents and personal property belonging to the insured, located as described, for a specified amount of insurance. Tenants improvements and betterments are included unless specifically insured or indicated to be excluded. Any of the following categories of personal property may be covered by endorsement under the form as a separate item: stock; contents except stock; machinery and equipment; furniture; fixtures; tenants improvements and betterments.
Workers Compensation: Insures loss due to statuatory liability of employer as a result of personal injury or death suffered by farm employees in the course of their employment, providing compensation in amounts prescibed by law. When a compensation act doesn not apply, employers liability coverage under a farm liability coverage form or commercial general liability coverges form is recommended.
Some of Our Carriers Include:
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Brokerage Appointments
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N. American Capacity
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American Safety
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Arch Insurance
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Evanston Insurance Co.
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First Specialty
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Gemini
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Mt. Hawley
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Navigators Insurance
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Scottsdale
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Steadfast |
These are just a few of our Property and Casualty carriers. To see a full list of our carriers click here. For more information, please contact pandc@sgbinsurance.com
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