Each organization has its own challenges, its own goals and its own strategies.
At Business Specialty Insurance Solutions, we create Insurance policies that keep
your business moving forward, always. Experience the many services we provide and
discover why we are one of the leading commercial insurers. We provide standard
and customized insurance policies for the following sectors:
- Hospitality Industry
- Shopping Centers
- Service Station Program
- Underground Storage Tanks Pollution Liability
- Commercial Real Estate
- Residential Property Owners
- Construction Trades
- General Business
- Technology
Here is an overview of the Business Policies we provide:
Public and Products Liability
Coverage for your legal liability for personal injury or damage to property caused
by an occurrence connected with your business.
Fire and Other Damage
Coverage for your building and business, for specified events such as fire,
storm, flood, impact, lightning, explosion and earthquake.
Business Interruption
Coverage for loss of gross profit or gross rentals resulting from an interruption
to your business caused by an insured event like fire or burglary.
Burglary or Theft
Coverage for theft of stock, customer’s goods, electronic equipment and
other business contents within your business premises following forced and violent
entry.
Tax Audit
Covers you for professional fees (including accounting and legal fees)
associated with a tax audit of the business.
Personal Accident and Illness
Allows you to insure against loss of income to a named person in the event
of an accident and/or illness.
Accidental Damage
Cover for accidental loss or damage to your business property, including
buildings, stock and electronic equipment insured at the business premises.
Goods in Transit
Covers you for loss or damage to goods in transit caused by specified events.
Equipment Breakdown
Covers you for the cost of repairing or replacing your mechanical and electrical
equipment and certain other electronic devices.
Fraud and Dishonesty
Covers you for loss of money or goods as a result of any act of fraud or
dishonesty committed by any of your employees, either acting alone or in collusion
with others which is discovered during the period of insurance.
General Property
Cover for loss or damage to everyday items you specify such as mobile phones
and laptop computers worldwide.
At Business Specialty Insurance Services we understand that each business is different.
We take pride in the variety of businesses we insure each year and have worked with
our team to create package policies that cover a variety of risks. We provide our
clients the ease to choose from different policy covers and help them tailor this
coverage into one package! Explore what we have to offer and we will help you create
a business package policy that really protects.
- General Property - Primarily designed for property (excluding stock) which is moved
around, like tools of trade or professional equipment.
- Property - Damage to buildings, contents and stock caused by fire & perils and accidental
damage.
- Business Interruption - The shortfall in your business income caused by the interruption
to your business after you’ve had an insured loss.
- Theft & Money - Theft of business contents or stock, or theft of money.
- Broadform Liability - Your legal liability to pay compensation for personal injury
or property damage.
- Machinery Breakdown - Damage to machinery caused by breakdown, or damage to boilers
and pressure equipment caused by explosion and collapse. Refrigerated or frozen
goods can also be covered against deterioration.
- Employee Dishonesty - Fraud or dishonesty by your employees.
- Computers & Electronic Equipment - Fire, theft, accidental damage, breakdown and
business interruption cover for computers and electronic equipment.
- Glass - Breakage of internal and external glass and signs.
The hospitality industry is rapidly growing and expanding into several fields and
each one is complex and dynamic in its own ways. At Business Insurance Solutions
Services, we understand the needs of the many fields that exist within the hospitality
industry. From cruise lines to hotels to motels to restaurants to cafes, we have
the right solutions no matter what your insurance needs. With years of experience
we can proudly say that our hospitality industry clients never go anywhere else.
Business Insurance Solutions Services provides coverage to the hospitality industry
by providing several insurance program coverages. We make life easy by providing
everything the hospitality industry sectors need, so you do not have to shop anywhere
else for insurance! Choose from the services we provide below or call our toll free
line today!
Business Specialty Insurance Solutions works with your company and recognizes the
importance of keeping workers safe. Because of our years of experience, we understand
workers compensation risk better than our competitors. This is why we can offer
more flexible programs and the right coverage based on your distinctive exposures
and monetary objectives. As the nation’s leading workers compensation provider,
we have the experience, resources, and data to provide the best claims services
and steady superior outcomes.
Types of worker’s compensation we offer at Business Specialty Insurance Services:
Lost Wages and Medical Care
This provides injured workers with compensation for lost wages as well as the reasonable
cost for necessary medical care and rehabilitation services related to a workers'
compensation.
Business Travel Protection
Our policy extends its workers' compensation coverage to employees who travel on
business to other states and in some instances other countries. If your employees
travel on business on a regular basis, additional coverage can be obtained to extend
your workers' compensation insurance to cover these situations.
Employer's Liability
To recover benefits under your state's workers' compensation law, your personnel
don't have to prove you were responsible for their work-related injuries. If they
can prove you were responsible, they may be able to successfully sue your business
to recover damages beyond the workers' compensation benefits. This coverage may
also provide certain benefits if you are sued by a third party affected by a workplace
injury, such as a family member of the injured worker.
Legal Expenses
If your business is covered by our workers' compensation policy, we will help you
pay legal expenses related to a workers' compensation or employer's liability claim.
BSIS will work closely with you in investigating; defending and settling related
claims
Third-Party Suits
If your employee is injured in an accident, that employee may try to sue a "third
party” if they believe that party is somehow responsible for their injury that third
party may sue you if it believes your company is legally liable for the accident.
In this situation, the Employer's Liability coverage of your policy is designed
to pay any damages awarded by the court to compensate for the bodily injury.
Employers liability coverage pays for other damages the employer may be found legally
responsible for due to an employee's injury. These may include wrongful death, damages
for care or loss of services, consequential injury to a spouse, child, etc. These
would result from a lawsuit filed by the employee or a third party. Because workers'
compensation is designed to be a "no-fault" type of coverage, it is usually very
difficult for an employer to be found liable for these consequential damages. Generally,
the employer would have to intentionally injured an employee or have forced the
employee to perform a certain task that would almost certainly injure the employee.
Business Specialty Insurance Solutions has tailored a number of policies specifically
for The Oil and Gas Insurance Sector. Our team insures
- Consultants
- Drilling Contractors-Onshore& Offshore
- Drilling Mud Dealers
-
Energy Related Product Manufacturers
- Environmental Impairment
- LPG Gas Dealers
-
Non-Operating Working Interest
- Oil & Gas Service Contractors
- Oil & Gas Lease Operations
-
Operators
- Petrochemical Contractors
- Pipeline Contractors
- Refineries
- Remediation
Contractors
- Tank Cleaning
- Underground Storage Tanks
-
Vacuum Services
Our program of coverage and services are specific to oil and gas operators, producers,
service companies and other related oil and gas operations in the field. Since the
Oil and Gas operations are a dynamic and complicated sector, they have unique and
complex insurance needs. Keeping this in mind, we have created insurance products
and services that address and satisfy the needs for this industry. Our extensive
knowledge of the Oil and Gas industry, allows us to bring you unmatched value. The
Oil and Gas industry has multiple and complicated facets and levels, and with several
years of providing Oil and Gas insurance Solutions, we have developed the expertise
to serve our Oil and Gas clients with perfection.