Insurance for Business

Commercial Property & Casualty

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Whether you are a Fortune 500 company or a small family owned business, partner with an insurance agent that understands your business and financial goals. McManamon Insurance combines our industry knowledge with insurance expertise to provide you with long-term solutions for your company.  McManamon Insurance develops customized and innovative insurance programs that feature quality products and services. They include:

Our firm partners with only the finest regional and national insurance companies doing business today. We have access to many national programs for special insurance associations as well. We will conduct a thorough review of your exposures and risks and ultimately provide you with an insurance program tailored to your business.

McManamon Insurance will provide professional references upon request.

Please contact McManamon Insurance directly for your insurance analysis.

General Liability

A form of insurance sold to businesses to indemnify the business for third party liability claims due to negligence. Coverages can include premises and operations liability for onsite and jobsite accidents and products liability claims for products that injure third parties.

Business Auto Policy

Coverage designed to provide a "standard" form for insuring commercial vehicles (other than private passenger cars).

Commercial Property

Coverage designed to provide a standard form for insuring commerical buildings.

Boiler & Machinery

Insurance that covers the insured against loss (liability and physical damage)arising out of the use of steam boilers or other machinery. May be written as a separate policy or as part of a commerical package policy.

Business Interruption

protects a business owner against losses resulting from a temporary shutdown because of fire or other insured peril. Generally, business interruption insurance provides reimbursement for lost net profits and necessary continuing expenses. There are various types of business interruption coverage available. A business interruption policy that includes extra expense coverage in case you have to carry on business at a different location because of insured damage at your original place of business can be a wise business insurance investment.

Directors & Officer Liability

Protects officers and directors of a corporation against damages from claims resulting from negligent or wrongful acts in the course of their duties. Also covers the corporation (and even the officers and directors in some cases) for expenses incurred in defending lawsuits arising from alleged wrongful acts of officers or directors.

Employment Practices Liability (EPLI)

Employment practices liability insurance or "EPLI" is liability insurance that covers certain employment related claims made by employees. For example, if a manager harasses or discriminates against an employee (or is alleged to have done so), EPLI will provide a defense and possibly claim payment on behalf of the business.

Fiduciary Liability

Protection for those who administer pension and welfare funds, profit-sharing and other employee benefit programs against loss for errors and omissions by the administrator. The need for this coverage was created by the Employee Retirement Income Security Act (ERISA) of 1974.

Errors & Ommissions

protects business professionals whose clients could claim damages as a result of the business professional's faulty performance. The faulty performance may be because of a neglient act, error, or omission by the professional; hence, the name of the insurance.

Umbrella / Excess Liability

Provides broad coverage for an insured's liabiliyt over and above liability covered by the underlying contrats or retention limits.

Workers Compensation

Insurance that covers an employer's obligation under workers compensation laws, which make the meployer responsible for stated damages in the event of a work-related injur or illness.

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