Business Insurance

While we think of ourselves as generalists, we truly excel in designing protection for certain industries: among them marinas, electroplaters, manufacturers, trade associations and employee benefits for businesses of any size.

Contractors know we're available when they are -- Before work starts at a location or after it's stopped for the day. And we can handle certificates and bonding as fast as you need them. We know the industry as well as we know our own, and that's important, because we can pinpoint coverages that you might not even realize you lack.

Big Concern for Smaller Accounts;

Liberty has clients with thousands of employees and significant premium size. But because our smaller accounts are so important to us, we maintain a division within the commercial lines department to provide the same one-on-one service given to our larger accounts.

Construction, manufacturing and transportation each have special insurance needs. We satisfy all of them.

Small Business Insurance

Protection for your business

Liberty Insurance offers a wide variety of insurance products for businesses...from coverage for your building and its contents to your general liability needs...from your vehicles to your employees ...everything you need to protect you and your business! And, don't forget about your business life insurance needs!

Are you one of the millions of entrepreneurs across America who runs a business out of your home? If so, our home business solutions can protect you whether you're at home or on the road developing those new leads. You'll also want to click here for information about flood insurance for your business property as well as your home. This important protection—excluded in standard homeowners policies—is available from your agent.

While we insure many different types of businesses, we also offer a number of customized programs for certain customer segments. These programs have been designed with the special needs of these businesses in mind. Check to see if we offer a special program for your business.

Liberty Insurance can provide small to mid-size non-profit organizations with valuable coverage to protect individual directors and officers—and the organization itself—against a wide range of "professional" liability exposures.

While our products are important, service is still our priority. We offer our commercial customers a host of value-added services, in addition to our quality insurance protection. For example, if you insure your business with us, we offer personalized loss control programs to help you keep your workplace safe for you and your employees and to protect your facility from fire and other potential hazards.

  • Examples of Eligible Operations:
    • Office Exposures
    • Retail Stores
    • Service Operations
    • Wholesalers
  • Specialty Coverages
    • Business Interruption
    • Computer Coverage
    • Guaranteed Replacement Cost
    • Money and Securities Coverage for Theft or Destruction
    • Accounts Receivable Coverage
    • Valuable Papers and Records
    • 30% Peak Season Increase
    • Glass Coverage (Interior and Exterior)
    • Spoilage (due to loss)
    • Accounts Receivable Coverage
    • Water Backup for Sewers and Drains
    • Credit Card Transaction Coverage
    • Loss Payment on Merchandise Sold
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Large Business Insurance

From marketing to quote and coverage analysis to audit preparation to claims management, Liberty Insurance Associates knowledgeable team of insurance specialists expertly assesses risk to ensure seamless protection for:

  • General Liability
  • Commercial Automobile
  • Workers Compensation
  • Inland Marine
  • Umbrella
  • Ocean Marine
  • Exlectropaters and Metal Program
  • Package and BOP
  • Professional Liability

And goes beyond coverage requirements to skillfully facilitate:

  • Wrap-up Analysis
  • Audit Preparation and Coordination
  • Safety and Health Program Consulting
  • Claims Mitigation
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Specialized Industries

Agribusiness

Products / Services:

  • Comprehensive agriculture insurance that spans all major lines of property and casualty other than workers' compensation
    • Farm & ranch owners policy
    • Equipment Break Down
    • Dwellings - including high valued dwellings
    • Additional coverage enhancements
  • High level of technical agribusiness expertise and agency automation
  • Fast policy turnaround time
  • Enhanced endorsements commonly not available though other Agribusiness markets
  • Horse farms, including Equine Mortality and Horse Insurance products for horse owners

Target Markets:

  • Family farms and ranches
  • Gentleman and Estate farms
  • Horse farms, including Equine Mortality
  • Large commercial growers and packers of agricultural products
  • Vineyards
  • Wineries, including tasting rooms
  • Grain & field crop growers
  • Citrus growers
  • Cotton growers
  • Wholesale nurseries
  • Livestock, primarily cattle & sheep
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Aviation Insurance

In today's global marketplace, business aviation has become a necessary component of a company's economic growth. The use of general aviation aircraft for business transportation can provide safe, secure and timely access to thousands of airports worldwide. More and more, business leaders are looking to business aviation as an effective tool for enhancing productivity and growth, making business aviation a critical part of their corporate travel strategy.

With the ability to transport employees in a timely fashion, without the possible delays and inconsistent service levels of commercial airlines, companies like yours are able to enhance the productivity of their most important assets — people and time. Aviation coverage provides specialized underwriting, claims management and risk control services for a variety of U.S.-based aviation risks including hull and liability coverage for turbine/jet aircraft and aviation workers compensation insurance.

Future product initiatives include general liability coverage for airports, FBOs and ground service operators as well as aviation products liability insurance for manufacturers and distributors of non-critical aircraft components.

We understand the importance of risk management to your company's success. Liberty Insurance Associates Aviation team is committed to providing quality service to our agents and customers.

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Electroplaters Program

At Liberty Insurance Associates, we have an exclusive insurance program that specialized in electroplating, metal finishing and metal work. We insure over 50% of the electroplaters in New Jersey.

The coverages we provide for our Metal Program are:

  • Commercial Property
  • Commercial Liability
  • Boiler & Machinery
  • Commercial Automobile
  • Workers Compensation / including dividends if you qualify.
  • Umbrella Coverage
  • Crime / Fiduciary Coverages
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Construction Insurance

And just like you, we do it by understanding our customers and delivering products and services that make a difference. Because we insure a range of contractors, from artisans to general contractors, we offer a wide array of property and liability coverages – including many coverages that cost extra with other plans. We add to that expert safety management services that can help you improve workplace safety and reduce your insurance costs. We even offer flexible payment options that help you manage your cash flow. We work with several insurance companies to provide the best protection for your business.

Liberty Insurance Associates believes that providing the right insurance protection starts with an in-depth understanding of every one of its customers' businesses. Using Travelers Insurance, our specialized Construction team provides highly skilled underwriting, customized IndustryEdge® products, and tailored programs and services to help reduce contractors’ cost of risk and improve their bottom lines.

Our solutions are tailored per account size, contractor type, risk exposure, geographic area and line of business. We take pride in providing responsive and creative solutions to a wide range of contractors - smaller, as well as mid-sized and large accounts.

Coverage
  • General Liability
  • Auto
  • Workers Compensation
  • Umbrella
  • Owners and Contractors Protective Liability
  • Railroad Protective Liability
  • Property and Inland
Programs
  • Guaranteed cost
  • Loss responsive
Services
  • Dedicated Risk Control services and Risk Management Information Systems (RMIS) aimed at helping to minimize risk and preventing loss
  • Highly specialized, industry-focused claim staff with the experience needed to evaluate, defend and settle claims
  • Specialized loss sensitive account executives to serve the unique needs of major construction businesses
Target Contractors
  • General Contractors - Commercial and Industrial
  • Heavy Contractors - Street, Road and Infrastructure
  • Trade Contractors - Interior and Exterior

Excess Casualty

The rising costs of lawsuits and judgments are important for today's business owner to consider. Catastrophic liability losses can happen to any business at any time. The time and effort you have taken to build your business is too important for it to disappear after one unforeseen event.

The Commercial Umbrella helps you protect your assets, by providing liability limits above and beyond your other policies. In some cases, it even broadens your protection.

Golf Establishments

  • Eligible Operations
    • Public Golf Courses
    • Golf and Country Clubs
    • Miniature Golf Courses and Driving Ranges
    • Pitch and Putt/Par 3 Golf Courses
  • Specialty Coverages
    • Damage to non-owned autos caused by golf balls originating from your location
    • Coverage for Tennis Courts, Cart Bridges, Ball Washers, Hole Markers, Water Coolers, Flags, Directional Signs and Other property unique to golf establishments
    • Swimming Pools
    • In ground Sprinkler Systems
    • Systems Breakdown
    • Trophies, Mementos and Club Prizes
    • Coverage for Personal Effects and Personal Property of members, customers and golf pros
    • Computers and Media
    • Tees/Greens and Pesticide applicator coverage available
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Marinas Insurance

As a marina operator, you understand the importance of having a flexible insurance program that covers you where you need it most. After all, your business depends on it. With The Marina Program from Liberty Insurance Associates, you’ll receive the type of coverage that helps protect your business from a wave of serious risks.

Here’s a look at the full line of primary coverages and services we offer:

Marina Operators Legal Liability:Covers the care, custody and control exposures for which you are legally liable while offering repairs, storage, moorage, docking, hauling, launching, fuelling, and other transient services.

Protection And Indemnity:Watercraft liability coverage.

Boat Dealer’s Coverage:To protect the assets of your boat dealership.

Piers And Docks Coverage:Coverage for your valuable piers and docks.

Owned Work boats:Hull coverage for owned work boats.

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Technology Insurance

Our technology professional liability policy is available for a broad array of technology companies, including:

  • Computer services companies
  • Information services companies
  • IT services companies
  • Technology firms
  • Technology manufacturers

You need coverage that fits your unique business-now, and in the future. Technology professional liability products are designed to fit seamlessly with our general liability policy and is designed especially for the diverse risks facing mid-sized technology companies.

Through The Hartford we offer FailSafe® products:

FailSafe® includes an option to customize the definition of covered technology services, so that it can be tailored to meet your company's needs. Coverage options include:

FailSafe® GIGA: An errors and omissions (E&O) coverage policy, including breach of warranty coverage.

FailSafe®TERA: A robust technology liability policy, including specified E&O, content, personal injury and security coverages.

Both FailSafe options now include our new First Party Data Privacy Wrongful Acts and Cyber Extortion coverages.

Through CNA we offer NetProtect

NetProtect®

CNA NetProtect®, a family of information risk insurance products available internationally, sets a high industry standard for network security, content and privacy liability protection — coverages critical to businesses of all types.

NetProtect 360SM offers both first and third-party cyber coverage as separate coverage parts. First-party coverage is available for extortion, business interruption, loss or damage to a network, extra expense and e-theft. Third-party liability is available for electronic media content, privacy liability and security liability.

NetProtect Essential® provides the basic liability coverage necessary for any company that relies on computer networks to run its business. Admitted coverage designed for small- to mid-size companies, NetProtect Essential® provides cyber coverage when a security breach results in privacy injury; identity theft; network damage resulting in theft of others' information in your care, including trade secrets; and infection of others' networks. NetProtect Essential® also covers costs to comply with applicable laws requiring you to notify customers or users if a security breach could potentially compromise private information.

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Trucking Insurance

Partnering with AIG Truck Insurance Group, Liberty Insurance offers diverse solutions for diverse needs customized services. Whatever barriers small to mid-size trucking companies may encounter on the road to success, the Truck Insurance Group division of AIG Risk Management (AIGRM ) offers innovative insurance programs designed by industry experts who work closely with clients to fulfill their insurance needs. AIGRM’s Truck Insurance Group is a leading provider of comprehensive primary casualty solutions dedicated exclusively to the unique requirements of the trucking industry throughout the United States.

With extensive knowledge of transportation regulatory and risk management issues, The Truck Insurance Group’s team of industry experts will work with clients to design a primary casualty program that avoids avoid gaps and duplications, minimizes potential sources of loss, and limits potential claims exposures. We can also combine and/or coordinate program development with a spectrum of products and services available within the diverse member companies of American International Group, Inc. (AIG), creating a comprehensive insurance program that addresses virtually all of your risk management needs. Rare among insurance companies, The Truck Insurance Group focuses solely on the primary casualty insurance needs of the trucking industry. And that means our veteran underwriters have years of experience writing trucking industry segment business and can create customized programs to address your standard and specialized insurance requirements.

Coverage Options Target Accounts

  • Automobile Liability ($1Mil CSL)
  • Physical Damage
  • Workers’ Compensation
  • ($100K min Premium)
  • Truckers GL Fleet (10 or more Power Units)
  • Small Fleet(1-9 Power Units)

Account Profile

  • For-hire Trucking Operations:
  • Local to Intermediate to Long-Haul
  • Operations:
    • Dry Van
    • Refrigerated
    • Flatbed
    • Tanker
    • Intermodal
    • Auto hauler
    • Bulk Commodities
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Surety & Bond Products

Commercial Surety

Most Common Types of Bonds

  • License and Permit
  • Probate
  • Court-plaintiffs/defendants
  • Self-Insurers Workers' Compensation
  • Lost Instrument

Advantages

  • Significant capacity
  • Tailored programs
  • Bulk billing
  • Multi-term billing discounts
  • Licensed in all 50 states
  • International capabilities
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Contract Surety

Most Common Types of Bonds

  • Bid
  • Performance and Payment
  • Supply

Advantages

  • Significant capacity
  • Stable market
  • SBA Bond Guarantee Program

Target Markets

  • Emerging/Small Contractors
  • Mid-sized Contractors
  • Well-managed firms demonstrating management and financial qualities for continued success

Underwriting Specialties

  • Heavy Contractors
  • General Contractors
  • Computer and Technology Companies
  • Service Businesses
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Financial Institution

We offer coverages to

  • Community Banks
  • Credit Unions
  • Insurance Companies
  • Investment Advisers
  • Large Depository and Other Non-Depository Institutions
  • Managed Care Organizations Coverage

Our portfolio includes coverage options to address financial institutions' management liability and crime coverage needs, as well as their property and casualty needs.

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Public Official Bonds

Municiple & School

Types of Bonds

  • Statutory surety bonds for individual public officials
  • Blanket fidelity bonds for public entities

Advantages

  • Significant capacity
  • Bulk billing
  • Optional coverages including Forgery/Alteration, Money and Securities, and Computer Fraud

Target Markets

  • Individual Surety Bonds for elected or appointed positions
  • Tax Collectors
  • Treasurers
  • Town clerks
  • Notaries (Surety and Errors & Omissions coverage)
  • Blanket Fidelity Bonds covering all other public entity employees
  • Towns, Cities, Villages or other Municipalities
  • State Universities or Colleges
  • School Districts
  • Fire, Water and Light Districts
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International Business

An increasing number of U.S.-based companies are expanding overseas. Operating outside of the U.S. creates unique exposures that can be insured through our Global Accounts division. We have the products, services and expertise to meet a wide range of international insurance needs.

Global Accounts has dedicated international underwriters who create coverages to insure your overseas operations. Whether you are newly expanding to the foreign market or already have substantial overseas operations, we have a range of products to suit you. We offer our products in a package, written in conjunction with your U.S. policy, depending on your needs.

Risk Control

Whether it's workers' compensation, reducing accidents, or minimizing claim severity, our risk management experts will work with you to customize an insurance plan that works for your business.

Working together to control the cost of risk

Understanding loss data is critical when reducing risk. Let our skilled account managers work with you to help you analyse and digest your data. Together, we'll discover the types of accidents that occur, how often they happen and their levels of severity. Our risk management experts will then work with you to develop a personalized plan-bettering your chances of reducing losses, and ultimately, costs.

Minimize the Likelihood of Loss

It's no secret: Decreasing accidents is the best way to reduce your total risk costs. Our workers' compensation professionals can help you understand the ins and outs of safer work practices as part of proper risk management measures.

Reduce the Severity of Claims

Industrial accidents, injuries, fires and other losses affect employee morale and your bottom line. It's important to be ready to respond before, during and after accidents occur. We'll help you determine the best practices behind accident preparedness and help you keep your claim costs down should an accident happen.

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