- Auto InsuranceFrom a business owner’s Property and Employee well being perspective, coverage includes Property – all perils, including fire, flood, windstorm. Equipment Breakdown, Inland Marine, Installation Floater, Business Interruption and Loss of Income coverage, Workman’s Compensation Insurance, Automobile Insurance, including Hired & Non Owned, Cyber Hack and Breach, Defense and Disaster Recovery Insurance.
- Inland Marine InsuranceInland Marine Insurance can also cover equipment breakdown, such as expensive Medical Imaging Devices, Printing Presses, and a wide assortment of other assets, which may or may not be “transportable”. It is a very versatile form of Property Coverage which can be adapted to include breakdowns and repairs, expedited repairs, loss of income due to breakdown, and can be written on an all risk form, which will cover the property being insured for all traditional forms of loss too, including fire etc.
- Truck InsuranceOperating Authority Insurance is essentially Motor Carrier Truck Insurance Coverage. It is a mandatory Liability Insurance coverage which will pay for damages caused to other people and their property. It can include Bodily Injury Insurance and Property Damage Insurance. Additional types of insurance available for Motor Carrier Insurance is Physical Damage Insurance, (also known as Comprehensive and Collision Insurance), Medical Payments Insurance, Uninsured Motorist / Underinsured Motorist Insurance, and Motor Truck Cargo Insurance.
- Life InsuranceTherefore, in order to remain competitive in the work force by employing top-quality individuals, businesses must offer increasingly extensive benefit programs. Studies repeatedly show that employees who are satisfied with benefits are more likely to be satisfied with their jobs. Great employee benefit plans extend beyond comprehensive medical coverage to offer perks such as vacation and sick time, company vehicles and life insurance, to name a few.
- Health InsuranceOn the very top of the list of benefits are health insurance, retirement, disability and dental. There are a myriad of different plans and policies. Navigating that path to find the plan best suited to your specific needs takes a lot of knowledge, time, and patience. At CGIS, we have the skills to put together a plan for you. Additionally, our benefits experts are skilled at creating tiered plans, with various deductible limits, assist the participants to adapt as their needs change.
- Disability InsuranceIt is important to note that workers’ compensation should not be confused with disability insurance or unemployment payments. Worker’s compensation insurance only pays workers who are injured on the job, while disability insurance pays out regardless of when or where the insured is injured or disabled. Unlike unemployment income or disability benefits, workers’ compensation is always tax-free.
- Business InsuranceBoston Bombings and Terrorism Insurance The recent Boston bombings have brought a sobering reminder to the insurance world about Terrorism Insurance. Business Insurance policies exclude coverage from Acts of Terror unless a special TRIA rider is purchased. So, many businesses in the Boston area who were...
- Commercial Property InsuranceAt Commercial Global Insurance Services, we offer Commercial Property Insurance and Casualty Insurance policies across a wide range of industries. With an array of products for various business types, we provide flexible solutions to help clients manage their property risks.
- Workers Compensation InsuranceOccupational Accident Insurance Explained Occupational Accident Insurance is an alternate form of insurance to fund employer’s obligation to the employee. Texas and Oklahoma are two states which allow an employer to opt out of the traditional Workers Compensation policy. However, opting out of the...
- Commercial Liability InsuranceCommercial liability insurance will defend claims of bodily injury or property damage and protects businesses against incidents or accidents that may occur on business premises or at other covered locations where business is normally conducted, as long as the claim is covered under the insuring contract.
- Professional Liability InsuranceProfessional Liability insurance, also known as Errors & Omission insurance, offers coverage for mistakes and errors made by you or someone at your company. Professional liability insurance helps protect individuals providing professional advice and consultations, and service-providing individuals (like doctors or nurses) and companies from bearing the full cost of defending a negligence claim made by a client. Professional liability insurance also covers damages awarded in such a civil lawsuit.
- Builders Risk InsuranceThis has resulted in many tower operators having inadequate or incorrect coverage. Gaps in coverage often extend to gaps in statutory Work Comp coverage for work performed in different states, including Monopolistic states. Other gaps include Per Project Aggregate versus Per Contract coverage, coverage for Products and Completed Operations, Errors & Omissions Coverage, Action over Exclusion and Additional Insured Limitations, All States Coverage, including Territories and Canada, Commercial Auto and Hired and Non Owned Auto, Care Custody and Control, Builders Risk, and Installation Floater.
- Liability InsuranceUmbrella insurance is a form of liability or casualty insurance that protects the assets and future income of the policyholder above and beyond the standard limits on their primary policies. As its
- Identity Theft Insurance
- Flood InsuranceFlood Insurance is a type of commercial property insurance that is designed to cover all direct losses by or from flood. Because of the often devastating and unpredictable nature of floods, commercial flood insurance is underwritten by the National Flood Insurance Program or by participating private insurers.
- Windstorm InsuranceCommercial Windstorm Insurance is coverage available to residents in areas at risk for suffering wind and hail damage (like the Gulf States and Texas) to their home and place of business. Business and contents can be covered under Windstorm Insurance, as well as certain exterior structures like signs. Because Texas is especially prone to windstorms, our agents are specialists at helping Texas business owners find suitable Texas windstorm insurance.