Business Insurance Products
Avery Hall offers many business insurance policies to help your business manage risk. We are able to provide your organization with liability insurance, commerical auto policies, employee life and health benefits, and professional liability insurance from many insurance carriers. By using Avery Hall for all of your business insurance needs, you can rely on us to provide a comprehensive insurance solution from a trusted partner. Typical policies provided for our clients include:
Commerical Insurance Packages - Many insurance companies will offer package policies that cover a wide array of risks under a single policy. This approach often offers lower premiums in exchange for purchasing multiple types of insurance from the carrier. In addition, claims service is improved, because there is a single insurance carrier to pay the claims that may fall into the "gray area" between coverage types. To learn more about Commecial Insurance packages, fill out our quote form and our staff will contact you to discuss your coverage needs.
Workers Compensation Insurance - With few exceptions, Workers Compensation insurance is required in Maryland, Delaware, and Virginia. These policies protect your business from lawsuits resulting from workplace accidents, and provide compensation to employees who are hurt in workplace accidents. Rates can vary greatly based upon the employee's job function and the information provided to the insurance company. At Avery Hall, we pride ourselves in helping our clients properly classify and report this information to help them receive the best insurance rates possible.
Garage Insurance - Automobile dealers, service stations, auto repair shops and parking lots require special coverage for their business. Garage coverage protects your business from the liability of garage operations, medical payments, automobile physical damange, underinsured and uninsured motirists in a single insurance policy. Garage coverage can come in many different forms, so it's imperative that your automotive business protect the right classifications of vehicles.
Condiminium Insurance - Condiminiums present special challenges to insure. The most obvious problem is answering the question "Who insures what?" In general terms, the Condiminium Master Policy will typically include property owned by the condo association and coverage in common areas of the condo property. There are many forms of coverage available to your condo association, and we're here to help you choose the best product. To learn more about our Condiminium Association Insurance, fill out our contact form to speak with a licensed insurance agent.
Builders Risk Insurance - Builder's Risk policies are designed for general and subcontractors, construction managers, and design build firms. These policies provide coverage for materials, supplies, machinery, equipment and fixtures that are used on a commercial construction project.
Medical Malpractice Insurance - Malpractice insurance premiums have risen significantly since 2000, and the number of insurance companies offering coverage in the state of Maryland has decreased significantly. Avery Hall is one of Delmarva's leading producers of Medical Malpractice policies, allowing us access to the most competitive rates in the market.
Lawyers Professional Liability Insurance - In today's legal environment, there is significant potential for your practice to incur costly litigation or losses. Whether the lawsuit is over an actual or a perceived error, defense expenses and damages can easily result in seven figure expenses.
Errors and Omissions Insurance - E&O Insurance is designed to protect people and businesses that give advice, make educated recommendations, design solutions, or represent the needs of others. This type of coverage is often purchased by consultants, inspectors, and teachers. While a formal contract can help to limit your actual liability in the event of a law suit, your legal defense costs can often add up to a significant amount, as well. Errors and Omissions insurance can help with your defense costs, as well as the actual judgement if you do not win the case.
Directors and Officers Liability Insurance - In it's most basic form, D&O Insurance policies exist to protect corporate directors and officers from liability related to their position within the company. There are many types of D&O coverage available, so when terms like "A Side," "B Side," EPL, and fiduciary liability start to cause confusion, choose Avery Hall to help ensure that you find the right coverage to protect you.
Miscellaneous Professional Liability Insurance - Miscellaneous Professional Liability Insurance is frequently purchased by private companies who provide services to clients for a fee. MPLI can protect your business from allegations such as negligence, failure to provide a service, fraud, improper documentation, and malpractice.
Avery Hall is here to help you manage the commercial risks that your business faces every day. To learn more about our insurance products and to get in touch with a licensed insurance professional, fill out our contact form. We'll respond to you by the next business day.
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