Commercial Insurance Solutions

Our transportation specialists bring their wealth of knowledge to serve businesses of all sizes. Whether you're an independent owner-operator or managing a large fleet, our long-standing relationships with insurance companies enable us to secure the best rates. With access to major transportation insurance markets, we guarantee the industry's most comprehensive coverage and competitive pricing.

Large to Small, We Cover Them All.

From the independent owner-operator, to large fleet accounts, let our transportation specialists put their knowledge and expertise to work for you.

Our long term relationships with insurance companies help us negotiate the best rates for you. With access to nearly every major transportation insurance market, we can offer our clients the most comprehensive coverage and the most competitive pricing in the industry.

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 Umbrella

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

Employment Practices Liability

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

Surety Bonds

Inland Marine/ Contractors Tools & Equipment

Inland marine insurance is property insurance that covers materials and equipment while they’re in transit or stored away from your business’s primary locations, such as a construction site or in a warehouse. It also covers certain specialized items that traditional business property insurance won’t cover.

If you regularly transport property or store it away from your business location, inland marine coverage probably should be part of your business insurance package.

Business Liability Insurance

Business liability insurance, also known as general liability insurance, commercial general liability insurance, or simply liability insurance, protects your small business in case it faces legal claims or lawsuits related to its normal operations.

Liability insurance covers various scenarios, including bodily injury, property damage, or other types of losses. If your business causes harm to someone or their property, this insurance can help cover: medical bills for injuries, property repair costs, legal expenses, settlement costs (up to the policy limit)

General Liability

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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