Workers Comp, General Liability,

Business Owners Policy,Professional Liability, Special Events Coverage, Cyber Liability

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Insurance Shops offers combination of insurance products for both commercial and personal lines, as well as professional, marine, umbrella/event and environmental insurance. Our ability to help clients find the right solution for their insurance needs is second to none.

It’s our ability to offer such a broad range of product lines and quality carriers that can make a real difference in helping us find the best solutions for our client. Whether our client’s needs are for commercial insurance, personal insurance, professional insurance we’re ready to help.
Our commercial lines can help you insure the risks in a number of areas including commercial property, vacant buildings, warehouses and more.
Insurance Shops personal lines can help cover things as diverse as vacant homes, special events, even home businesses.

es quotes Broker code PA025992-702     Ribs   Ryan Specealty Group    RSG   US Risk

Our diverse underwriting team can explain, in detail, the ins and outs of the products our clients need.

Our commercial lines can help you insure the risks in a number of areas including commercial property, vacant buildings, warehouses and more.

Carrying the right insurance coverage is a vital component of any business’s risk management portfolio. We specialize in helping the clients navigate the complex coverage options to find solutions for businesses both big and small. We have access to dozens of carriers offering competitive rates on a wide range of commercial product lines, including:

  • Commercial
  • Property
    • Vacant Building
    • Vacant Property
  • General Liability
  • Marine
    • Ocean Marine
    • Inland Marine
  • Umbrella/Excess
  • Environmental
    • Consultants
    • Contractors
  • Brokerage
  • Contract Underwriting
  • Special Events
  • Adult Day Care General Liability
  • Amusement Program General Liability
  • Artisan Contractor
  • Auto Hired and Non Owned
  • Auto Rental & Short Term
  • Auto Tow Truck
  • Beauty Shop and Day Spa Liability
  • Caterers and Halls General Liability and Misc Articles
  • Club Program
  • Contractors Equipment
  • Commercial Hull
  • Day Nurseries and Preschools
  • Detective or Investigative Agency(Private) & Process Servers
  • Employment Agencies (Temporary Clercial or Retail)
  • Excavators and Grading of Land
  • Exterminators General Liability
  • Flea Market Swap Meets Bazaars General Liability
  • General Contractors General Liability
  • Habitational
  • Hired Non Owners
  • Hunting Clubs, Preserves and Shooting Ranges General Liability
  • Landowner’s Program
  • Logging and Lumbering Program
  • Marina
  • Motel Program
  • Premises Preferred Product
  • Racing Special Events
  • Roofers
  • Security Guards and Related Operations General Liability
  • Sports Camps-Clinics-Leagues General Liability
  • Swimming Pool Contractors – Dealers and Installers
  • Tanning Salon Program
  • Transportation Services Program
  • Welding, Brazing and Cutting General Liability
  • Alarm Installation General Liability
  • Animal Services
  • Auto Service Risks General Liability
  • Auto Public
  • Auto Special Types
  • Auto Truck
  • Bar/Restaurant Product
  • Climbing Wall
  • Condo or Homeowners Associations General Liability
  • Commercial Package
  • Dam
  • Demolition Contractors
  • Distributors and Wholesalers Program General Liability
  • Event Party Planners Coordinators Supplemental
  • Exercise and Health Studio and Personal Trainer
  • Fire Sprinkler Contractor General Liability
  • Foreclosure Eviction Cleanup
  • Habitational
  • Halfway House General Liability
  • Home Health Care General Liability
  • Janitorial Program
  • Landscaping General Liability
  • Martial Arts Studio
  • Marine Craftmaster
  • Outfitters and Guides Program
  • Prize Indemnification
  • Real Estate Property Management
  • Schools–Private, Technical, Trade and Vocational
  • Special Event General Liability
  • Swim and Racquet Club Program
  • Swimming Pool Maintenance and Management
  • Telecommunication Contractors
  • Truckers Program
  • Wind & Solar Energy

Insurance Shops personal lines can help cover things as diverse as vacant homes, special events, even home businesses.

From manufactured homes to multimillion dollar waterfront estates, We have access to top-rated carriers for a wide range of personal property coverage. And while homeowners insurance may be the core of personal lines coverage, our product offerings protect our client’s most valuable personal assets that extend well past the front door – even home businesses, special events, personal articles and personal liability.

  • Personal
  • Homeowners– including manufactured homes, wind, coastal, and high value
  • Dwelling Fire
  • Vacant Homes
  • High Wealth Clients
  • Umbrella
  • Liability
  • Home Business
  • Personal Articles
  • Renters
  • Special Events
  • Condo Unit
  • Comprehensive Liability
  • Farmers Comprehensive Liability
  • Excess Liability
    • Builders Renovation
    • Ground Up Construction
    • Excess Auto

With our large network of carriers we can even help with the hard to place professional coverage like D&O, Employment Practice Liability and Cyber Liability.

Professional liability coverage is one of the most important types of insurance in today’s often litigious environment. Businesses, non-profit organizations, homeowners associations, and a myriad of professionals are targets for costly lawsuits that can potentially devastate the financial stability of the organization and individual parties. Our professional lines team are experts in hard-to-place professional coverages.

  • Professional
  • Directors & Officers (D&O)
    • Private for Profit
    • Non For Profit
    • Publicly Traded
  • Employment Practices Liability
  • Misc. Professional Liability / E & O
  • Media Liability
  • Professional Products
  • Physicians & Surgeons
  • Professional Liability
    • Accountants
    • Lawyers
    • Architects & Engineers (A&E)
  • Allied Medical & Medical Malpractice
    • Allied Medical & Healthcare
    • Home Healthcare
  • Cyber & Technology
    • Cyber & Privacy
    • Technology
  • Financial Products
    • Broker / Dealer
    • Financial Advisors

General Liability Information

If you have a personal umbrella liability policy, there’s generally an exclusion for business-related liability.

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade.

General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations. The Hartford’s liability programs extend far beyond the provisions of typical policies, with broadened coverage and increased limits in over 30 areas.

Broad Range of General Liability Protection

  • Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
  • Property Damage coverage for the physical damage to property of others or the loss of use of that property
  • Products-Completed Operations provides liability protection (damages and legal expenses up to your policy’s limit) if an injury ever resulted from something your company made or service your company provided
  • Contractual Liability extends to any liability you may assume by entering into a variety of contracts
  • Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types

Workers Compensation Information

Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.

Do I need Workers Compensation?

Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they’re hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.

Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don’t include coverage for workers’ injuries.

 Our Insurance Agency offers excess and surplus lines,

property and casualty insurance for the following product lines:


Antique Aircraft
Commercial Pilots
Experimental Aircraft
Helicopter & Rotocraft
Home Built Aircraft
Hot Air Balloons
Light Sport Aircraft
Private Pilots
Student Pilots
Ultra Lights


Commercial and Personal Liability
Excess coverage available
Ground in motion, or not in motion
Hangar Liability
In Flight or Transport
Non-owned Aircraft
Physical Damage

Directors & Officers Liability Insurance

Board Members
Business Professionals
Not For Profit Organizations
Private Companies
Publicly Traded Companies
Retired Consultants and Mentors


Assault and Battery
Breach of Duty
Deposition Coverage
Employment Practices Liability
Misstatements, Neglect
Sexual Abuse and Molestation
Spouse can be named as additional insured
Wage & Hour
Wrongful Acts

Healthcare Services

Assisted Living
Health Professionals
Physicians & Surgeons
Senior Care

Medical Directors
Professional Liability

Sexual Abuse and Molestation
Wrongful Acts



Driving Schools
Fairs & Fairgrounds
Family Entertainment Centers
Franchised Powersports Dealers
Horse Tracks

Independent Car Clubs
Performing Arts Centers
Race Teams
Skating Rinks
Special Events
Theme Parks/Themed Attractions
Zipline Courses
Zoos & Aquariums


Cancellation Coverage
Contractual Liability
Wrongful Acts

Commercial Auto

Airport Bus Service
Black Car Service
Buses – All Types
Limousines/Black Cars
Long-haul Trucking
School Busses
Taxi Cabs

Auto Liability
Auto Physical Damage
Commercial Truck Coverage
Drive Away Coverage

Excess coverage available
Hired or Non Hired Auto
Motor Truck Cargo
Terminal Operation

Errors & Omissions Insurance


Business Professionals
People responsible for the outcome of a service or job

Personal or at Home Service Companies
Service Companies
Small Business Owners


Assault and Battery
Customized Solutions

Sexual Abuse and Molestation
Wrongful Acts

Personal Lines


Animal Liability
Asset Protection
Avalanche Control
Board Member Liability
Business Owner
Competitive Events
Customized Legal
Entertainer Liability
Exotic Pets
Firearm & Concealed Weapon
Fitness/Training Instructor
Foster Parent Protection
Golf Cart Insurance
Hobby Farms

HR Professional
Independent Contractor
Insulation Contractors
Legal Liability Protection
Medical Professional
Mobile Home Owners
Pet Owners
Pilot Liability
Public Service
Rescue and Evacuation
Security Services
Track Day Insurance
Volunteer Liability


Animal Liability
ATV’s & 4 Wheelers
Excess coverage available
Mobile Home Coverage
Optional Earthquake & Burglary Coverages
Personal Property such as Jewelry, Guns, etc.
Tenant Liability

Commercial Liability


Agricultural Chemical Applicators
Alpine Skiing
Amusement Industry
Apparel Retailers
Aquatic Chemical Applicators
Bars, Lounges, Pubs, Taverns
Batting Cages
Bicycle Activities
Camping Activities
Camps, Camping, Hiking
Cannabis Industry Liability Coverage
Carpet & Furniture Cleaning
Ceiling & Wall Contractors
Chimney Cleaning
Commercial General Liability
Contractors / Building Trades
Dance Activities
Drone Liability
Environmental Cleanup Contractors
Equipment Dealers
Events Liability
Fence Installers
Fireplace Installers
Glass Installers
Golf Ranges
Grocery Store
Guest Ranches
Guided Activities
Guided Tours, Rentals
Gymnastic Schools
Health and Sports Clubs
Health Clubs
Home Improvement Supply Stores
Horse Activities
Hunting & Fishing Pack Trips
Janitorial Services
Lawn & Garden Care
Manufactured Home Dealers

Martial Arts
Masonry Contractors
Outdoor Recreation
Painting Contractors
Pest Control
Pet Shops
Petroleum Environmental Cleanup
Propane Dealers
Real Estate Firms
Recovery Agents
Recreation & Sports Event Operations
Recreation Centers
Recreation Equipment Dealers
Restaurants and Bars
Right Of Way Management
River Operations
Roofing & Siding Contractors
Ropes Courses
Septic Tank Cleaning
Shooting Ranges
Sign Installers
Skateboard Parks
Skating Rinks
Special Events
Towing Operators
Tree Service
Underground Storage Tanks
Used Car Dealers
Water Parks
Water Sports
Window Cleaning
Winter Activities
Winter Operations
Yoga Instructors
Youth at Risk
Zipline Courses


Assault and Battery
Excess coverage available
General Liability
Liquor Liability
Parades and Fireworks Liability
Personal Effects Coverage
Personal Injury Coverage
Product Liability
Sexual Abuse and Molestation
Special Events Liability

Commercial Property / Inland Marine

Bars and Taverns


Basic, Broad, Special Form Coverages Avaliable
Builder’s Risk
Commercial Property / Inland Marine package
Equipment Floaters
Excess coverage available
General Liability and Commercial Property package
Inland Marine
Jeweler’s Block
Optional Theft Coverage
Vacant Property, Building, Land
Wind & Earthquake

Garage Liability & Towing


Auto Body Shops
Auto Dealerships
Auto Repair Shops
Car Washes
Custom Shops
Equipment Dealers
Manufactured Home Dealers
Mechanical Repair Shops

Mobile Home Dealers
Motorcycle and Recreational Vehicles
Recreation Vehicle Dealers
Repossession Companies
Towing Operations
Used Car Dealerships
Valet Parking


Dealer’s Open Lot
Drive Other Car
Excess coverage available
Garage Keepers Legal Liability
Garage Keepers Liability
Garage Liability
Towing – On Hook & Cargo
Wrongful Repossession / Recovery

Professional Liablity


Architect / Engineers
Artisan Specialty Contractors
Auto Repair Garages
Certified Public Accountants (CPA)
Financial Planners
Fine Dining
Health Professionals
Home Inspectors
Insurance Agents
Insurance Brokers
Land Planners
Land Surveyors
Landscape Architect

Law Offices
Legal Professionals
Personal Trainers
Physicians & Surgeons
Police Officers
Real Estate Agents
Real Estate Appraisal Firms
Real Estate Brokers
Real Estate Firms
Retail Stores
Security Guard Operations
Tax Preparers
Tenant Legal Liability
Title Agents
Tree surgeons


Abuse & Molestation
Negligent / Wrongful Acts