COMMERCIAL

Whether you’re a business owner, a risk manager or an executive…have a small or large business…employ 5, 50, even 500 or more people, securing the right insurance coverage and service is essential to your business plan. If you own or manage a business, you face numerous risks such as: damage to your business vehicles, liability exposures resulting from the operation or your business, loss of income, theft, robbery, even employee dishonesty. With a commercial insurance policy from TPA, we can make sure you have insurance that includes just and only the coverage that YOU need.

• Liability Coverage: In case you’re sued as a result of an auto accident. 
• Collision Coverage: Helps cover physical damage to your vehicle due to collision or upset.
• Comprehensive Coverage: Helps cover physical damage to your vehicle due to fire, theft and glass breakage. 
• Rental Reimbursement Coverage: Helps cover the cost of a replacement vehicle for a specified period of time when your vehicle is disabled due to an insured loss.

General Liability Coverage includes:

• Bodily Injury Liability Coverage: Help protect you for injuries to other people resulting from your operations. 
• Property Damage Liability Coverage: For damage claims to property of others. 
• Personal Injury Liability Coverage: Helps provide you with protection for such offenses as false arrest, libel, slander and wrongful entry. 
• Advertising Injury Liability Coverage: Helps cover your legal liability for a variety of offenses arising out of the advertising of your business’s goods and services

Business Property Protection

Business Property Protection Coverage helps protect your building and contents in case of direct physical loss.

Optional Commercial Coverage

Enhance your basic commercial coverage with these options:

• Cargo Coverage: Helps protect your cargo or inventory while in transit or during storage. 
• Tool and Equipment Coverage: Helps protect your tools and equipment used in your business while on your vehicle or at the job site. 
• Business Interruption Coverage: Helps protect against loss of income (for up to 12 consecutive months) resulting from a covered loss. 
• Crime Insurance: Helps protect against loss from burglary, robbery, even employee dishonesty. 
• Umbrella Excess Liability Insurance: Provides higher liability limits, over the primary or underlying liability insurance

Social Service Organization Programs

We have specially designed programs to meet the unique needs and challenges of protecting social service/non-profit organizations. From child development programs, vocational rehabilitation and counseling centers to mental health organizations, senior centers, and safety management services, we have a comprehensive and flexible range of programs. A partial listing includes: commercial property, general liability, allied health care liability, automobile.

A partial list of our commercial lines products:

• Commercial Automobile
• General Liability
• Workers Compensation
• Business Property
• Businessowners
• Contractors Equipment
• Contractors Liability
• Flood
• Earthquake
• Contract Bonds
• Surety Bonds
• Key Man Life
• Health Insurance
• Condominiums
• Apartment Buildings
• Single Day Events