Commercial Property Coverage for your property and equipment. Commercial Property Whether you have invested in furniture, computer equipment, or building renovations, you need to protect your assets. Commercial Property Insurance can protect your business assets and inventory against physical damage and loss of use due to theft or an accident. Even if the cause of the damage is not at your business, such as a fire in the adjacent office space, this type of coverage can still protect your property. Damage to commercial property often leads to a loss of income if the business must close for repairs. It’s important to add business income coverage to your Commercial Property policy to keep your business going even during a loss. CONTACT A PROPERTY CASUALTY INSURANCE SPECIALIST TODAY
Commercial General Liability (CGL) The basic business necessity. Commercial General Liability (CGL) General Liability Insurance is important for all businesses. It provides coverage for bodily injury, and property damage to third parties. Should you be served with a lawsuit, your Commercial General Liability Insurance coverage could also pay defense costs and settlements. Our Property & Casualty Insurance Experts can help you to choose the appropriate coverage for your business. We will pinpoint the best policy for your circumstances, coverage requirements, and budget. Even after your policy is in place, we will continue to monitor your policy so that you can stay focused on the growth of your business. CONTACT A PROPERTY CASUALTY INSURANCE SPECIALIST TODAY
Workers' Compensation Accidents happen, protect your business and employees. Workers' Compensation Workers' Compensation is required by most states. Specific requirements vary by state, so it is important to stay informed. Workers’ Comp covers qualifying medical expenses as well as a percentage of lost wages for work related injuries and illnesses. Workers' Compensation claims may include slip and falls, carpal tunnel syndrome, or overexertion. Accidental injuries, occupational hazards, and even death arising from the employee's work are covered by Workers' Compensation. Many industries have specific statutory standards, to which they must comply. MHG Insurance have experience across a multitude of industries and can guide you through the process, making sure your business is safe while also keeping your budget in mind. CONTACT A PROPERTY CASUALTY INSURANCE SPECIALIST TODAY
Commercial Auto Insurance A requirement for vehicles used primarily for business purposes. Commercial Auto Insurance Vehicles owned by your company and driven by your employees present a liability to your company. It is important to carry adequate coverage to protect your company’s assets in the event of an accident. If you perform work as a subcontractor, you are often required by written contract to meet certain auto insurance requirement including Bodily Injury Liability and Hired / Non-owned Auto. It is important that you work with an insurance professional that understands the needs of your business. Our Property and Casualty Insurance Specialists can answer questions and help you to find the best policies for your individual coverage requirements and budget. CONTACT A PROPERTY CASUALTY INSURANCE SPECIALIST TODAY
Excess / Umbrella As business grows, needs can change Excess / Umbrella If you perform work as a subcontractor or do work on another company’s property, you may be required to carry increased limits of liability. This is even more critical if you perform any hazardous work such as welding. Umbrella or Excess policies complement other policies you may already have in place, providing coverage above the limits of a General Liability policy or Commercial Auto Policy. You may need to add certain policies to your existing coverage or increase your existing liability limits, and MHG can help you discern whether or not additional coverage is the best choice for your circumstances. CONTACT A PROPERTY CASUALTY INSURANCE SPECIALIST TODAY
Professional Liability Insurance Protection from a malpractice lawsuit. Professional Liability Insurance When providing professional advice or a service to your clients, you always do so with the best intentions but sometimes mistakes happen, which can make your business vulnerable to a malpractice lawsuit. Any business providing a service, such as accountants, architects, designers, engineers, or consulting firms, can benefit from having Professional Liability Insurance, also known as Errors and Omissions Insurance (E&O) or a Professional Indemnity Insurance policy. Our Insurance Specialists will help to determine when, and if, you need coverage from such liabilities, and choose a policy that fits your business and your budget. CONTACT A PROPERTY CASUALTY INSURANCE SPECIALIST TODAY
Management Liability Protect your business and its directors, officers, and employees. Management Liability Also known as Executive Liability Insurance, Management Liability covers the exposures faced by directors, officers, managers, and business entities that arise from governance, finance, benefits, and management activities. It includes several coverages that may be combined under one package policy or purchased as stand-alone insurance policies such as Directors & Officers Liability, Employment Practices Liability, Crime Insurance, Fiduciary Liability, and Kidnap and Ransom Insurance. CONTACT A PROPERTY CASUALTY INSURANCE SPECIALIST TODAY
Specialty Classes Customized insurance for the unusual, fast-paced, or dangerous business. Specialty Classes At MHG, we are not generalist insurance brokers and nor do we wish to be perceived as such. Our roots are in the marine industry and we are proud of our standing in the global marine marketplace. With that said, there are a number of non-marine classes of business that our Property & Casualty Insurance Specialists have extensive experience and proven expertise in. These include construction contractors, manufacturing risks, and hospitality-related businesses such as bars, restaurants, and hotels. CONTACT A PROPERTY CASUALTY INSURANCE SPECIALIST TODAY
Caribbean Property & Casualty Specialized Property and Casualty Insurance solutions for the Caribbean. Caribbean Property & Casualty We offer a full suite of insurance products for niche property risks in and around the Caribbean islands. Our customized solutions not only address the windstorm and earthquake exposure faced by the property owner but also include a broad range of third-party liability coverages. CONTACT A PROPERTY CASUALTY INSURANCE SPECIALIST TODAY