PROPERTY & CASUALTY

We’re your partners in eliminating uncertainty

Risks surround you – in your business and in your personal life. Our mission is to help you identify them, and then apply creative solutions. We’ll work closely with you to understand your circumstances, and then find traditional and non-traditional answers from our extensive catalogs of property and casualty insurance.

With our solutions, your challenges are answered. That’s the definition of ‘success’ at The Hilb Group.

Commercial

General Liability Coverage sets the foundation

All businesses run the risk of bodily injury and property damage, but a commercial general liability policy (CGL) provides baseline protection against exposures in operations, premises, products and completed operations. A licensed insurance professional at The Hilb Group can best determine the exposures unique to your business and determine the coverage best suited to your needs.

Call The Hilb Group today for an assessment of your unique business needs.

Solutions for the complexities of workers' comp

Since they vary from state to state, laws regarding Worker’s Compensation insurance pose a challenge for businesses. And that’s exactly why you need the expertise of one of the brokers at The Hilb Group.

We’re experts in the benefits and compensation you’re obligated to pay an employee in the event of a work-related injury or illness. Worker’s compensation is typically compulsory, but certain small employers and types of employment may be exempt, depending on state statute. We can explain to you the specifics of the medical, disability, and rehabilitation benefits you need to provide, and funeral benefits and death benefits if an employee dies as a result of a work-related accident.

Call a professional insurance broker at The Hilb Group today to get a comprehensive quote on Worker’s Compensation insurance for your company.

We can customize auto coverage specifically for your business

If you have company-owned vehicles, coverage for them is often included in your commercial package policy. But The Hilb Group can also issue a stand-alone, “monoline” policy, protecting you for both liability and physical damage from specified causes of loss.

Physical damage coverage is optional, but you may also want to include both collision and comprehensive damage coverage. We can also tell you about endorsements to extend coverage to specific types of loss.

A licensed insurance professional at The Hilb Group can customize a policy to cover the exposures unique to your business.

Umbrella coverage fills out your liability protection

Most businesses have some liability coverage in their policies for auto, worker’s comp and general insurance. But to fully protect yourself, consider an Umbrella policy.

This covers claims in excess of the limits of your other policies, and also provides coverage for some sources of loss that are not covered at all (subject to a deductible or self-insured retention). Umbrella policies are important, and also a relatively inexpensive way to protect your business.

Ask a licensed professional at The Hilb Group to provide you a quote for this extra loss protection for your business.

Specialized liability coverage for professionals

Professionals are often more at risk than other businesses for liability claims. So The Hilb Group can protect you against claims of negligence in the performance of your duties. These policies are specifically tailored for doctors, lawyers, engineers, insurance agents and other professionals and consultants.

A licensed agent at The Hilb Group can advise you as to whether your profession puts you at risk for liability claims.

Extra protection for environmental liabilities

Standard commercial lines liability policies typically exclude coverage for environmental or pollution liability. But you can protect your business from exposures resulting from damage, injury and cleanup costs caused by pollution – typically added to your existing CGL policy with an endorsement.

Consult with a licensed agent at The Hilb Group to see if your business is at risk for these types of claims.

Protecting the assets of Officers and Directors

Directors and officers of companies can sometimes be held personally responsible for acts of the company. Rather than put their personal assets at risk, you can protect them from claims by employees, clients and stockholders with Directors and Officers Insurance.

This coverage protects officers and directors of for-profit or not-for-profit corporations against damages from claims of negligence or wrongful acts in the course of their duties. It will also pay the corporation (and even the officers and directors in some cases) a portion of expenses incurred in defending lawsuits.

Ask a licensed professional at The Hilb Group to provide you a quote for this extra loss protection for your business.

Endorsements that protect organizations from criminal acts

Commercial Package Policies seldom cover commercial criminal acts, but you can protect your organization with endorsements covering these:

  • Employee theft
  • Forgery or alteration
  • Inside the premises — theft of money and securities, robbery or safe burglary of other property
  • Outside the premises
  • Funds transfer fraud
  • Money orders and counterfeit money

We’ll be happy to explain the details of each type of policy endorsement.

A licensed insurance professional at The Hilb Group can help you choose the coverage that meets your business exposures.

Protecting businesses from loss of income

Most businesses are protected against the cost of repairing or replacing damaged property. But many aren’t covered for the loss of business income that can result.

Business Income coverage can also extend to extra expenses incurred as a result of the loss —  for example, moving and operating from a temporary location.  We’ll be happy to provide you with comprehensive information.

A licensed insurance agent at The Hilb Group can provide you with this important protection for your business.

Surety experts help contractors build their businesses

Contractors rely on bond programs as a critical component of their business. The Hilb Group specialists are experts in planning, facilitating, and optimizing the surety bond relationship.

We’ll work together to understand your financial structure and bond requirements, and short-term and long-term business plan. Since we continually monitor the ever-changing construction and surety industries, we can help build your bonding relationship by matching your business plan with your risk appetite, target market, and individual characteristics of the surety.

We constantly monitor trends in rates, work programs and capacity, plus carrier financial strength, and carrier commitment to the marketplace. We maintain strong relationships with virtually all of the major national and regional underwriters to give you an optimal surety relationship. And we also maintain solid connections with leading CPA firms, financial institutions and law firms, to help you create effective partnerships.

Our surety experts will be happy to discuss the surety bond needs you’ll want to advance your business plan.

Guarding against cyber criminals

One unfortunate byproduct of the information age is that cyber risk, network security and privacy liability are issues every business needs to be concerned with. From 2012 to 2013 the number of data breaches grew 62%, translating to more than 552 million identities exposed –- an increase of 368%.

As data thieves employ new and novel ways to gain access to confidential information, the laws and regulations protecting individuals are continuing to evolve. Without expert help, determining which law or laws apply at the time of a breach is can be difficult, but failure to comply can compound the staggering costs of a breach.

The Hilb Group experts in cyber/privacy liability policies can help you address the multitude of risks related to computers and networks, the Internet, and electronic information databases. We’ll work with you to reduce risk when sensitive, protected or confidential data is copied, transmitted, viewed, stolen or used by an unauthorized individual.

A licensed insurance agent at The Hilb Group can provide you with this important protection for your business.

The growing risk of terrorism loss

Before September 11, 2001, insurance companies provided terrorism coverage to commercial customers for free or little charge. In November 2002, Congress enacted the Terrorism Risk Insurance Act, and in the years since, insurers have begun to assess the risk of terror.

If your business is in a major urban area that is considered a potential attack target, you have the highest exposure. But experts at The Hilb Group can provide insurance that covers property damage or business losses associated with terrorist acts certified by The Treasury Department.

We’re well versed in the ever-changing terrorism risk insurance market, and regardless of what type of business you’re in, consider purchasing coverage as part of a comprehensive risk management program.

A licensed insurance professional at The Hilb Group can help you choose the type of coverage that meets your business exposures.

Kidnaps and ransom demands are increasing daily

Business owners and employees are not only at risk when at work, or traveling domestically or internationally, but even at home with the risk of a home invasion. It’s important these days that your company and business be prepared.

The possibility of kidnapping, extortion or illegal detention is a very real threat for organizations of all sizes … and unfortunately the frequency of these incidents is on the rise.  Experts at The Hilb Group can advise you on coverage to protect your employees and your business when you operate in high-risk areas.

Even when no ransom is paid, expenses can include the fees of negotiators, investigators, attorneys, public relations professionals, forensic analysts, security guards and consultants. We’ll help you be prepared for what could be a significant financial drain with Kidnap and Ransom Insurance.

Our experts can help you be prepared for the multitude of threats present in an increasingly unsettled world.

No longer just for big business, Captive Insurance may work for you

In its simplest form, a captive is a privately held insurance company that insures a business. It issues policies, collects premiums, and pays claims, just like a commercial insurer, but does not offer insurance to the public. And it’s often overlooked, particularly by smaller insurance brokers

But the experts at The Hilb Group know the complexities of the costs, benefits, and financial structure. And we can show you how even middle-market and small businesses can enjoy this effective mechanism to control and stabilize your cost of insurance.

We’ll work with you to develop a comprehensive identification of risk. Then we’ll
help you understand the nuances of captives, their economic advantages and risks, and help determine which captives are a viable alternative risk management mechanism for your business.

With the complexities of Captive Insurance, you may never have heard of it. But our experts can show you its economic advantages.

Personal

You worked hard for success – we’ll help you protect it

Successful people need far more than an ‘insurance company’ when it comes to protecting their assets. As a member of our Private Client Group, you have instant access to professionals with uncommon expertise in managing and preserving wealth.

For example, most people think of homeowner’s insurance as a relatively simple commodity. But a standard homeowner’s policy will replace your one-of-kind stone fireplace with materials from a home improvement store. We can provide you with a customized policy that will replace all the original materials.

Our expertise can also help you build a better portfolio. By understanding your needs and your appetite for risk, we can leverage our longstanding relationships with pre-eminent carriers, and help you seamlessly manage your exposure.

And we’ll help you with estate planning to protect the generations ahead. Experts at The Hilb Group know estate and charitable planning, and can exceed your expectations and fully ensure your legacy.

Allow the Hilb Private Client Group to compare our plan with what you’re currently offered. We promise you an eye-opening experience.

For solutions that are creative, comprehensive and cost-effective, ask for an “eye-opener.” Talk to the professionals of The Hilb Group.

Protecting your home and its contents

Your home, furnishing and possessions are some of your most valuable assets. The Hilb Group can protect you from the loss of your home because we’re experts in the various types of coverage available to you.

Many people don’t know that there are specialized insurance policies for just about any living situation, from single-family dwellings to condominiums, multi-family homes and mobile homes. Our licensed Personal Lines agents are trained to advise you on the best possible coverage and make sure you and your family are protected from what could be a devastating loss.

Call The Hilb Group today to receive competitive quotes from the multiple insurance carriers we represent.

Even good drivers need good auto protection

As much time as we spend in our cars, it’s odd that most people don’t think much about auto insurance until they need it. That can be a big mistake, but The Hilb Group can help.

Our experts can make sure you have the right kinds and levels of protection if an accident should happen. We’ll work with you to establish how much liability, medical payment, and physical damage coverage is appropriate.

We’ll take into consideration the type of vehicle you drive, where it’s registered, and where and how much you travel. And since we represent multiple insurance carriers, we can provide you with competitive quotes and explain the differences to you. Don’t take chances with this important form of protection.

Call a Personal Lines representative at The Hilb Group today to get a personalized quote that meets your individual needs.

Umbrella Liability coverage guards against the unexpected

Liabilities can arise anywhere … and unexpectedly. Your personal liability coverage for your automobile, residence and recreational items like boats, RVs and motorcycles, could be exceeded.

That’s why a Personal Umbrella Liability policy is so important. And it also provides coverage for some sources of loss that are not covered by those primary policies. We’ll be happy to explain how this coverage can protect you from litigation in a variety of circumstances that could be financially disastrous.

Contact a licensed Personal Lines agent at The Hilb Group for more details.

Protect your home and its contents against flooding

People who own homes in pre-determined flood zones are required by their mortgage lenders to carry flood insurance. But most of us would not be protected against flooding by a traditional homeowner’s policy.

Water can cause incredible damage, as the news regularly shows us. If you’d like peace of mind, our experts can explain the various types of coverage available.

Contact a licensed Personal Lines agent at The Hilb Group for more details.

Even renters should be protected against loss and liability

Homeowners are required to carry insurance, but many renters aren’t, and that can be costly. If you rent an apartment or dwelling, renter’s insurance provides property and liability coverage. You’re protected against physical damage losses that could occur to your owned contents.

This type of policy also provides liability coverage for personal and premises exposures, which is equally important. And there are many optional endorsements available on a renters’ policy to add or increase coverage for unusual or valuable possessions.

Contact a licensed Personal Lines professional at The Hilb Group to discuss what type of coverage best suits your needs.

Boats can be big assets, and deserve protection

People who love being on the water also have a strong affection for their boats. If you own a power craft or sailboat, a watercraft insurance policy provides valuable protection.

You’ll want liability and property damage coverage (or hull coverage) on pleasure boats such as yachts, cabin cruisers, and sailing vessels. Specific coverage varies with different insurance companies, but we can help you navigate the ins and outs of protecting your valuable marine asset.

A Personal Lines representative at The Hilb Group can explain watercraft insurance, so call today.

Take to the highway with full protection

Recreational Vehicle and Motorcycle Insurance is important protection for a major investment. You can be covered against damage to vehicle or property, theft, vandalism, injury to yourself or other people. Just as important you’re protected for personal liability, and accidents with uninsured or underinsured drivers.

And don’t forget the property inside a recreational vehicle. You’ll and a policy that extends coverage to personal items such as outdoor equipment, cooking facilities, refrigeration and bathrooms. And if your motorcycle is your pride and joy, consider coverage for custom parts and equipment.

A Personal Lines agent at The Hilb Group can provide you with detailed information and competitive quotes.

Don’t overlook the valuables you own

A standard homeowner’s policy provides limited coverage for valuable items – and they’re often the things we would miss most.

If you own valuable assets such as such as furs, art work, expensive jewelry, silverware, cameras, musical instruments, or stamp and coin collections you will want to protect them with higher limits and against more causes of loss.

What’s more, a “Personal Articles” or “Personal Property Inland Marine” floater can be customized to give comprehensive coverage on your most prized possessions.

Contact a Personal Lines professional at The Hilb Group to discuss coverage options and receive competitive quotes on this form of insurance.

Help ease emotional and financial loss

Most of us don’t like to think about it. But if someone in your family passes away, there’s not only emotional loss, but often financial loss as well.

A good life insurance policy will not only cover funeral expenses, but also help with basic day-to-day living expenses. Contemplating end of life scenarios is never easy, but it’s important to be protected.

Life insurance products allow you to create an estate for your family, used for any kind of immediate expenses, and to secure a stable financial future. We can help you with this important peace of mind.

Contact a licensed professional at The Hilb Group to discuss the many life insurance options available to protect your family’s future.