Taylor Agency

There are a number of different types of insurance available to cover the many types of exposures which exist in a business environment. Due to the complexity of the risks associated with business, it is important to deal with a knowledgeable insurance agency. Taylor Agency's staff has over a hundred years of combined experience and as independent agents, we have many resources available to us so we can assist you in providing protection for your business assets. Following are some of the commercial insurance coverage's we provide.

Business Owners Policies

This policy insures real and personal property, time element and liability coverage's in one contract. Endorsements can be added to the basic form to customize it for your particular needs.

Commercial Property

This coverage will protect covered property against direct loss arising from any cause not specifically excluded if the coverage is on a special perils basis. Coverage is also available on a named peril basis which is more limited coverage. The advantage of a special peril policy is that the insurance company must prove that a loss is specifically excluded in order to deny coverage under the policy.

Commercial General Liability

Coverage for claims arising out of the insured's liability for injuries or damage caused by ownership of property, manufacturing operations, contracting operations, sale or distribution of products, and the operation of elevators and the like, as well as services.

Commercial Automobile

Liability coverage protects against claims alleged for bodily injury and property damage arising from the ownership, maintenance or use of any covered auto. Coverage can also be provided to protect the covered vehicle itself. It will pay for physical damage loss that results from a covered peril.

Workers Compensation and Employers Liability Coverage

Provides for the cost of medical care and payments to injured employees or to their dependents of those killed in the workplace, regardless of blame. Employers liability provides coverage against the common law liability of an employer for injuries to employees as distinguished from the liability imposed by a workers compensation law.

Umbrella & Excess Liability

This coverage provides a higher limit of coverage that is excess over scheduled underlying policies. It is used in one of three ways:

To provide additional limits of protection over the coverage listed in your underlying schedule.
To act as primary coverage if your underlying limits are exhausted.
To provide coverage for some risks, subject to a retention, when your primary coverage does not.

Professional Liability Including Errors & Omissions and Directors & Officers

Professional Liability provides coverage for a professional practitioner, such as a doctor or a lawyer, against liability claims for damages resulting from alleged malpractice in the performance of the insured's services. Often called malpractice insurance.
Errors and Omissions insurance indemnifies the insured for any loss sustained because of an error or oversight on his or her part.
Directors & Officers Liability Insurance provides coverage for directors and officers of firms or organizations against liability claims arising out of alleged errors in judgment, breaches of duty, and wrongful acts related to their organizational activities.

International Insurance

Employment Practices Liability

Marine - Inland & Ocean

Inland Marine Insurance is a broad type of insurance, generally covering articles that may be transported from one place to another as well as bridges, tunnels and other instrumentalities of transportation and communication. It includes goods in transit (generally excepting trans-ocean) as well as numerous "floater" policies such as those covering personal effects, personal property, jewelry, furs, fine arts and others.
Ocean Marine Insurance is coverage for seagoing vessels, including liabilities connected with them, and their cargoes.

Boiler & Machinery Equipment Breakdown Insurance: Coverage for loss arising out of the operation of pressure, mechanical and electrical equipment. It may cover loss to the boiler and machinery itself, damage to other property, and business interruption losses.

Trucking & Transportation

Aviation Insurance: Insurance pertaining to aircraft including coverage of aircraft or their contents, the owner's liability or accident insurance on the passengers.