As an independent insurance agency, we offer many different types of coverage from a wide array of companies. We have a thorough understanding of all of your insurance needs, large or small, business or individual, and can develop an effective, affordable program around those needs. This is how The Roberts Agency started and will continue to do business.
While surety bonds are relatively simple, a number of qualifying steps must be taken before an underwriter accepts a risk. The surety business is susceptible to unusually large losses and knowledgeable underwriters do not commit their insurance company to a submission without examining it throroughly.
The human element is the factor that frequently causes a loss or default. To determine whether the applicant is qualified for the projected undertaking or obligation, three factors must be carefully examined:
Both the bid and final bonds are done out of our office. Our clients expect nothing less.
Directors and Officers liability protects the directors and officers of both public and private companies, as well as not-for-profit organizations, against loss (damages and defense costs) arising out of their status or conduct as directors or officers. Common claims allege breach of duty, security law violations, and unfair competition.
Fidelity insurance, or Crime insurance, protects organizations from loss of money, securities, or other property resulting from theft. Common claims arise from employee dishonesty, forgery, robbery, wire transfer fraud, or other crimincal acts.
Employment Practices Liability Insurance is a form of liability insurance that protects against wrongful employment practices committed by the business entity, its employees, executive officers, directors, stockholders, members, and managers of a limited liability company. Even if the claim is frivolous, you may still be faced with extensive legal costs. Protect your business with an Employment Practices Liability policy.
The types of claims alleged under such policies include: wrongful termination, wrongful refusal to employ qualified applicants, wrongful failure to promote qualified employees, defamation of character, violation of an employee's right to privacy, harassment, coercion, unfair discrimination, or sexual harassment.
Fiduciary Liability Insurance protects fiduciaries, as defined by the ERISA, against loss, both damage and defense costs, arising from administration and management of employee benefit and pension plans. Common claims include ERISA violations, negligent advice, and careless plan management.
Kidnap/Ransom and Extortion Insurance can provide reimbursement for ransom monies paid in the event of a covered kidnapping or extortion event. Companies who ask employees to travel overseas for business purposes often purchase this insurance at minimal cost to protect employees and their guests during such travel and business related activities at home or abroad.
Almost every contractor's standard general liability policy contains pollution liability exclusions. Just because you may not be engaged in environmental remediation work, you may still have pollution liability exposures which may be excluded by the standard commercial general liability policy. The standard CGL policy provides two important areas in which an insured contractor does have significant pollution liability coverage.
Instead of accepting restrictive endorsements, a contractor should ask their agent to explore expansion of pollution liability coverage via limited pollution liability endorsements, or even a broad form (occurrence) pollution liability policy to round out its general liability program.