Business Insurance

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Our team of experienced professionals have dedicated their career to focus on your industry. They will use their expertise while partnering with you to identify potential risks, protect your business, your team, and your assets with coverage that best fits you and your business.
Non Profit
We know that not all nonprofits have the same exposures, and we have the ability to work with multiple insurance carriers to find coverages that are the best fit for your organization. We do our homework: We get to know you and your organization. Together we identify possible exposures, then we develop a comprehensive insurance package that best fits your needs.

Childcare
While your customers may be small, we know that the responsibilities you shoulder are large! We have expertise in the childcare industry and offer many specialized coverages including abuse, playground equipment, loss of business income, computer coverage, abduction, employment practices liability, and much more. 

Commercial Property

Protects your business' physical assets from perils such as fire, theft, and natural disaster. Foster White will also help you develop business continuity, allowing you to resume operations quickly should a loss occur.

Commercial General Liability

This is the "first line" of coverage that a business typically purchases and covers many of the common risks that can happen to any type of business, such as bodily injury or property damage on the business premises or due to the business operations, personal and advertising injury, and medical payments.

Commercial Auto

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical payments and coverage for uninsured motorists.

Professional Liability

This is also known as Errors & Omissions and protects against financial losses of a negligence claim made by a client.  The coverage focuses on alleged failure to use the expected skill in your field and in turn caused harm or loss to an individual or business.

Workers’ Compensation

Pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work. Additionally, this coverage protects an employer from being sued by an injured worker in most cases.

Directors & Officers Liability

As a director or officer on any non-profit or for-profit board, your personal assets are at risk with each decision you make. Directors and Officers Liability covers your defense costs, settlements and judgments associated with potential liability claims, while also protecting your personal assets as a director or officer.

Cyber Liability

Protects businesses from Internet-based risks, and more generally from risks relating to information technology infrastructure, information privacy, and information governance liability. Coverage provided by cyber-insurance policies may include first-party coverage against losses such as data destruction, extortion, theft, hacking, and denial of service attacks.

Employment Practices Liability

Covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, breach of contract, and other alleged violations of employees’ legal rights.

Employee Benefits Liability

Employee Benefits Liability also known as Fiduciary Insurance, is a type of professional liability insurance that protects your business from costly suits that arise from administrative errors in handling employee benefits.

Commercial Umbrella

Protects your assets by providing liability limits above and beyond your other policies, and also potentially primary insurance for losses not covered by the other policies. When an insured is liable to someone, the insured's primary insurance policies pay up to their limits, and any additional amount is paid by the umbrella policy up to the limit of the umbrella policy.

Employee Benefits

Employers can offer a variety of benefits to their employees. We work with employers to provide the best coverage options, that will align with your company’s needs. Whether your organization is small, large, or growing, our benefits team will support you with the knowledge and resources to reward, recruit, retain and retire your employees.

To help employers stay on track with their multiple benefits offerings, we also provide access to an online platform at no cost to you. Here, employees can log-in, elect or waive coverage, and more! This online platform is a one-stop place for both you and your employees to access benefits documents at any time. We provide the service and are here to help you make offering benefits to your employees easier. We can also help you use this online platform to distribute other items you would like employees to access, such as: onboarding items, direct deposit forms, employee handbooks, etc.

Additional insurance plans add value to your employees and can help fill gaps of coverage for their families, while adding peace of mind in some of life’s unknowns. We will help guide you through the many insurance options for any additional coverage your employees may need.

Surety Bonds
We offer a wide variety of Surety Bonds, including but not limited to: Payment and Performance Bonds, ERISA Bonds, License and Permit Bonds and Lost Title Bonds