Business Insurance - Howard and Hoffman Inc.

We write all forms of
Business Insurance,
including:

Boiler & Machinery

Bonds

Builder's Risks

Commercial Automobile

Commercial Property

Crime

Directors & Officers

Employment Practices

Errors & Omissions

Equipment Breakdown

General Liability

Inland Marine

International Policies

Intellectual Property

Internet Liability

Open Marine Cargo

Professional Liability

Special Event Coverage

Workers' Compensation

BUSINESS INSURANCE

At Howard & Hoffman we have been insuring all types of businesses for over 90 years. One of our experienced agents will manage all of your insurance. You'll enjoy the convenience of one-stop shopping, making one phone call, and having one agent who can handle all of your business's property and casualty needs. We specialize in flexible and creative solutions for your insurance needs, with the power to write almost any policy.

Possibly our most important service is claims assistance. While most insurance companies are fair about paying claims, they typically will not volunteer information on how to get the most compensation. Since as agents we do not pay the claims, we can always afford to act in the best interest of our clients. We will first help you decide whether it is appropriate to file a claim and how it will affect your rates; if you decide to file one we will advise you on how to get the best compensation possible. Finally, if your claim is wrongly denied by the insurer we will go to bat for you to get the claim properly covered.

The following is a list of just some of the type of businesses we currently insure:

	Auto Dealers		Medical Offices
	Beauty Parlors		Network Consultants
	Cabinet Makers		Non-Profit Associations
	Churches		Property Managers
	Contractors		Recycles
	Florists		Restaurants
	Habitational Properties		Satellite Phone Designers
	Internet Companies		Software Developers
	Internet Service Providers		Web Designers
	Landscapers		Youth Football Camps

Our experienced agents will help you evaluate your risks, reduce those risks, and protect yourself with the proper insurance. We will help you review your contracts and leases (not in place of your lawyer, but in addition to having your lawyer review them) to better understand the insurance requirements they place on your business. Often times we help our clients amend their contracts and leases to reduce their potential liability (this is a lot cheaper than having to purchase more insurance).

The list of top-rated companies we currently represent for Business Insurance includes the following:

          ACE International
            CNA Insurance Companies
            Firemen's Insurance Company of DC
            The Hartford Steam Boiler
            National Flood Insurance Program
            Markel American Underwriters
            One Beacon Insurance
            Progressive
            The Hartford Insurance Group
            Travelers Insurance Group

We also work with several Excess & Surplus Lines brokers giving us access to hundreds of additional companies. These additional companies allow us to write virtually any type of business. They often use non-standard policy forms and endorsements, so it is even more important that you have an experienced agent helping you select the right policy. Our agents average 20 years of experience and continually attend classes and seminars to keep current on policy form changes and legal issues that effect our clients.