Contact Information

Address:
CSI & Associates, Inc.
P.O. Box 271
Dalton, Pa 18414

 

PH: 570-563-3027
FX: 570-563-3020
General Email: info@csiandassociatesinc.com

 

Office Hours:
Mon -Friday 8:30AM – 4:30PM
Evening and weekend appointments available.

 

Policy Service Center:
For 24 hours customer service, billing, and claims contact Information, please go to our online Policy Service Center

 

Commercial Insurance

What we're good at

Commercial Insurance

Businesses present unique exposures for insurers, so it is harder to generalize about coverages. The categories of policies listed below are only an outline of the coverages available through our carriers.

 

Whatever your commercial insurance needs, we can design a protection program that’s right for you.

 

CSI & Associates provides the following types of business insurance protection:

Auto – Commercial

A commercial automobile insurance policy is required under most circumstances when the vehicle is used for business purposes and meets certain other requirements. It is not just the registration that determines the requirement for a business automobile insurance policy. Other requirements are ownership by a corporation, use in hauling goods for hire, and gross vehicle weight of the vehicle.

Business Owners Package

Business Owners Package policy, commonly called a “BOP” contains many of the insurance coverages needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company. The basic BOP offers business property coverage for both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and the liability from your products or completed operations.

 

Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed by a small business. Notably they do not cover any workers’ compensation, professional liability, or business vehicle coverage.

Business Interruption

If your business suffers a property loss it could cause the business to slow or close down while repairs are made. This may mean a complete or partial revenue loss depending on the time frame and the damage. From the time the loss occurs until your business is running again, insurance can replace your lost profits, and provide a source of money to pay your necessary continuing expenses, like rent, payroll, taxes, etc.

Commercial Property

Commercial Property protects your business against the loss or loss of use of company property. “Property” can include a variety of types: lost income or business interruption, buildings, computers, money, and valuable papers.

Commercial Umbrella

Most package policies provide a liability insurance limit of $1 million for any one loss and $2 million in any one year. For many businesses, this limit is inadequate for real economic security. As a result, additional layers of protection in million-dollar increments are readily available in today’s insurance market for most businesses.

Contractor’s Liability

Contractor’s General Liability insurance is for residential and commercial builders, general contractors, construction managers, design and build firms, specialty contractors or subcontractors, owners or public and private construction projects.

 

We offer contractor policies for every type of project:

  • Property
  • Builders risk insurance and course of construction
  • Liability insurance
  • General liability insurance
  • Contractor insurance
  • Commercial auto
  • Umbrella
  • Workers’ compensation
  • Railroad protective
  • Equipment insurance
  • Contractor bond

Directors & Officers Liability

Directors and Officers Liability Insurance provides financial protection for the directors and officers of your company in the event they are sued in conjunction with the performance of their duties as they relate to the company. Think of Directors and Officers Insurance as a management Errors and Omissions policy.

 

Directors and Officers Insurance is often confused with Errors & Omissions Liability. The two are not synonymous. Errors & Omissions is concerned with performance failures and negligence with respect to your products and services, not the performance and duties of management. Generally it is a good idea to carry both Directors and Officers Liability Insurance and Errors and Omissions Liability Insurance.

Employment Practices Liability

Employment Practices Liability Insurance otherwise known as EPLI is insurance that helps protect you against claims from your employees that result from the general conduct of your business. Common examples of employee related claims include claims relating to:

 

  • Discrimination
  • Wrongful Discharge
  • Sexual Harassment
  • Hostile Working Environment
  • Wrongful Termination
  • Lack of Advancement

General Liability

Normally, it is difficult for businesses or general contractors to work without general insurance. General liability insurance is intended to guard operators and owners of companies from claims that may come from a broad spectrum of sources. These exposures could be just about anything, including liability engendered by accidents from the operations of the insured party, contractual liability, products manufactured by the insured party, etc.
The liability limits you select and the exposures of your business determine the cost of general liability insurance. Also factored into the rates are the kind of work undertaken, gross receipts and total payroll expenses.

Hotel & Motel Hospitality

Running a hotel in today’s competitive environment is a big challenge. Getting the proper business insurance at a reasonable price can be frustrating and time consuming.

CSI offers specialty insurance programs designed specifically for the hospitality industry. We offer protection that goes beyond the industry standard forms used by many insurance companies.

Investment Property

If you own an investment property, you should make sure that you carry adequate insurance coverage. Accidents may occur and ultimately cause damage to your investment property. If you do not have the necessary insurance, you will be responsible for the full financial cost.

 

Owning an investment property brings with it a large degree of liability. In addition to the building itself, you may be responsible for injuries received by others while they are on your property. You could also be held responsible for damage to their belongings.

Kidnap & Ransom

As your company expands globally, so do your exposures. Companies with international operations and executives or staff who travel internationally may be targets for kidnappers and extortionists.

 

While no one can predict where or when a kidnapper or extortionist might strike, there are steps that you can take to protect your executives and families and prepare for a possible threat. A Kidnap & Ransom policy should be an integral part of your risk management program.

 

The Kidnap & Ransom policy will provide coverage for the following:

  • Ransom and extortion payments as a result of a kidnapping or extortion threat.
  • Loss of the ransom or extortion payment while being delivered.
  • Expense coverage as a result of a ransom or extortion demand which includes fees and expenses of independent negotiators, and travel and accommodation expenses.
  • Legal liability coverage protection in the event it is alleged the insured was negligent in a hostage retrieval.
  • Political threat coverage for expenses when a person is wrongfully detained by anyone acting for a government or with the government’s approval.

Liquor Liability

Liquor Liability Insurance is designed to provide liability insurance protection for those businesses who manufacture, distribute, or sell liquor. Liquor liability insurance is recommended for the following types of businesses:

Medical Malpractice

In today’s challenging healthcare marketplace, we can help guide you to better results and a higher set of expectations with our value added services. We understand your struggle to deliver quality health care and avoid medical malpractice claims. Working in partnership with your practice, we will address affordability issues regarding medical malpractice insurance, while improving safety and quality.

Product Liability

Product liability insurance protects you in case a product you produce or provide causes harm to a user or a user’s property. A “product” is anything that is tangibly used, touched, or consumed. This type of insurance is recommended for every business that manufactures a product, but is especially important for companies that produce food, clothing, toys or anything else that could conceivably cause harm to someone.

 

Most business owners policies include limited product liability coverage. If, for some reason, you do not have this coverage through a business owner’s policy and your product runs the risk of inflicting harm on other people, you may need to buy product liability separately. Similarly, if your product presents a higher risk of injury (for example, it contains a hazardous material), you may need to purchase additional coverage.

Professional Liability (E&O)

Professional liability insurance, also sometimes referred to as Errors and Omissions, is insurance to protect you and your company in the event a client alleges they have suffered a financial loss as a result of an error or an omission committed by you in the delivery of your professional services. Professional liability coverage is separate from a General Liability (GL) policy which would cover you mainly for bodily injury or property damage liability.

Property Liability

The general or public liability policy provides protection for claims of liability that are made by third parties. The policy provides defense protection even if the allegations are groundless. In addition the policy will pay any judgment up to the policy limit of coverage.

Restaurants

Today’s restaurant environment is more complex than ever and you want to know you’re covered for the unexpected occurrence.

 

Whether you run a small cafe or a national chain, you could be held liable for anything from contaminated or spoiled food to spilled coffee. That’s why you deserve an insurance company with commercial restaurant insurance coverage specifically designed for the risks you face.

 

Eligible classes include, but are not limited to:

  • Fine Dining
  • Casual Dining
  • Fast Food
  • Ethnic Cuisine
  • Delicatessen
  • Coffee Shop
  • Micro Brewery

Special Event

Whether you are planning a corporate event, holding a large rock concert, or organizing a local flower festival, you will need special event insurance to ensure that you are covered for unexpected occurrences that may spoil the success you and your company may receive when the big day arrives.

Surety Bonds

We work with many of the country’s top-rated surety companies to secure:

 

  • Contract Payment and Performance Bonds
  • Fidelity Bonds on Employees
  • Code Compliance Bonds
  • Judicial and Court Bonds, including estate guardianship and repletion bonds
  • Professional Service Bonds
  • Broker Bonds for the Transprotation Industry

Technology Insurance

Many companies are unaware that their current business and insurance policies most likely do not cover them for all of their technology-related risks. Our technology insurance portfolio offers coverage options tailored to fit your company’s unique needs.

 

In today’s technology-driven world, companies face a number of dynamic exposures. Whether it is faulty software, inappropriate advice, misconfigured firewalls or inadequate anti-virus software, hardware failure – companies are increasingly at risk. Claims are growing rapidly, leaving companies liable for expensive lawsuits.

Wholesalers & Distributors

If you are a wholesaler or distributer, CSI offers a broad range of coverages that are cost-effective and perfectly tailored for your business requirements. Our programs for include exacting risk assessment and loss control expertise that can help reduce insurance costs for everyone from the small supplier to the large distributor.

Workers’ Compensation

Workers’ compensation insurance protects employers from claims resulting from injuries to employees. It protects your business from lawsuits and provides employees with compensation for on-the-job injuries. Even though all 50 states have workers compensation laws, and each law has the same basic objective of providing no-fault benefits to workers injured on the job, no two state workers compensation laws are identical. In fact, the specific provisions of workers compensation laws often vary considerably from state to state.

 

Often, employers simply buy a workers compensation policy and rely on it to provide all the protection they need against employment-related injuries. However, the differences in state laws and benefits can expose businesses to liabilities far greater than expected. Properly insuring these risks may require modifying the policy with one or more standard manuscript endorsements.

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