Is your new or existing business properly insured? Can you afford a major financial setback if accidents occur? Protect your business from fires, weather, break-ins or even from someone suing you if an accident should occur. Array can help you to determine the coverage that is right for your business.

Commercial Insurance - Specialization

yellow bullet point Business Owners Policies for the Any Retail/Wholesale business
yellow bullet point All types of Property Coverage, Including Vacant or Repo property
yellow bullet point Apartment Complexes and Multiple locations
yellow bullet point Commercial Auto
yellow bullet point Umbrella’s
yellow bullet point Hard to place risks, which are frequently passed over by other agencies.
yellow bullet point All Types of Professional Liability Coverage’s –Errors& yellow bullet point Omissions, Directors and Officers, Lawyers Legal Liability All Types of Bonds (See the bond tab. Most agencies do not do any bonds)

Commercial General Liability Insurance

Casualty Insurance consists primarily of liability coverage’s, which protect an insured party against injury or damage claims made by other parties. Policies provide coverage for liability arising out of:

yellow bullet point Premises and Operation
yellow bullet point Fire Damage Liability (damage by fire to premises rented to insured)
yellow bullet point Personal and Advertising Injury
yellow bullet point Medical Payments Products/Completed Operations

You may want to consider a Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy and which can help you save time and money on your total insurance program. And since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.

Business Auto Insurance

Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverage’s and deductibles and about tailoring a Business Auto plan that’s right for you and your business.

Workers' Compensation

Workers’ Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.

Workers' Compensation provides for the payment of four types of benefits:

yellow bullet point Medical benefits
yellow bullet point Income benefits
yellow bullet point Death benefits
yellow bullet point Rehabilitation benefits

Builders and Contractors are Our Specialty!

Trade Contractors/ Home Builders:
We help you understand your potential Audit Exposures.

Array Insurance is committed to "Helping the Building Industry Build Dreams"

We offer various programs & many markets to an often volatile industry. Not just a policy, but an all encompassing approach to your companies risk management. Our team understands your business and your challenges. Don't risk insuring anywhere else.

yellow bullet point Exclusive General Liability programs including coverage for often times excluded subcontracted work
yellow bullet point Builder’s Risk programs tailored for your building needs & budget
yellow bullet point Inexpensive Worker’s Compensation programs including builder/contractor owned programs that return all profits and investment income back to you the builder/contractor.

To Obtain a Free Quotation go to our "Links" page to download a Business Questionnaire Form,
or Call our office today and we will mail forms directly to you.