Text Box: Flowers & McKeller Insurance Services, LLC

Text Box: Certainty.  Security.  Choice.

Text Box: Programs &  Coverages

Text Box: A broad commercial policy that covers all liability exposures of a business that are not specifically excluded.  Coverage includes product liability, completed operations, premises and operations, and independent contractors.

Text Box: General Liability

Text Box: There are basically six different types of coverages.  Some may be required by law, others are optional: 1. Bodily Injury Liability 2. Medical Payments or Personal Injury Protection (PIP) 3. Property Damage Liability 4. Collision 5. Comprehensive 6. Uninsured Motorists Coverage

Text Box: Commercial Auto

Text Box: Insurance that pays for medical care and physical rehabilitation of injured workers and helps to replace lost wages while they are unable to work.

Text Box: Other Coverages

Text Box: Coverage for losses above the limit of an underlying policy or policies.

Text Box: Umbrella

Text Box: Worker’s Compensation

Text Box:    Commercial Property    Inland Marine    Business Income    Increased Cost of Construction    Demolition Cost    Extra Expense    Contingent Business Interruption    Selling Price Clause/Market Value Clause    Valuable Papers    Electronic Data Processing    Outdoor Sign    Flood

Text Box:    Accounts Receivable    Transit/Cargo    Employee Tools    Blanket Crime - Employee Dishonesty    Forgery & Alteration    Money & Securities    Owners Extra Expense    Directors & Officers - Claims-Made    Fiduciary Liability - Claims-Made    Professional Liability    Employment-Related Practices Liability