Bone, Robertson & McBride, Inc. has 40 years of experience in the insurance industry and has crafted various specialty programs. Outside of these niche programs, our knowledgeable staff can work with your company to provide customized commercial insurance programs for your industry. We make it our business to fully understand the unique insurance hazards in the current insurance marketplace and to continually search for the most comprehensive coverage and competitive premiums. We have the ability to create comprehensive policies that provide unique coverages while maintaining affordability.
General Liability Insurance, also called Commercial General Liability insurance, in its most basic form, protects your business against third party claims for unintended bodily injury and property damage. Typically payments are not paid to the insured, but to a third party that has brought a lawsuit or claim for damages against the insured for which they have suffered as a result of the insured’s alleged negligence.
We will create a customized policy for you to include different types and amounts of coverage.
Depending on the state in which you do business, Workers Compensation may be required by law. Having Workers Compensation coverage can save you and your business from costly lawsuits and employers liability issues. Workers Compensation Insurance protects your business and your employees, who are oftentimes a huge part of the framework of a company. Such coverage is designed to provide coverage for employees who are injured “On The Job.” Bone Robertson and McBride, Inc. has access to a multitude of markets with competitive rates that specialize in providing Workers Compensation coverage to your industry. Let us provide you with a free quote!
Auto Liability Insurance is required by law for individuals and for businesses and
Comprehensive and Collision coverage may be required by a lender on an auto loan. Car
insurance is mandated for good reason – if you get into an accident, you and the other
driver involved will be thankful you have coverage.
Depending on the coverages selected Commercial Auto coverage may provide coverage for liability (protection against claims by third parties), comprehensive and collision (to your vehicle), Uninsured/Underinsured Motorist coverage, PIP coverage (required in some states), medical payments coverage, and Hired & Non-Owned Liability coverage for rented vehicles (used in the course of your business) or your employees’ personal vehicles while they are using them in the course of employment for your company. Bone Robertson and McBride, Inc. can offer you a comprehensive policy that is specifically tailored to meet your needs.
State License Bond
The State in which you operate may require a License Bond. Required bond amounts verify by state and the nature of your operations. This bond is in place to protect your company against any outstanding liens or payments filed by a third party in the even that you fail to make a payment (associated with your business) or fail to perform your services as listed in a written contract. Bone Robertson and McBride, Inc. is able to assist in obtaining a State License Bond for the following states: Arizona, California, Colorado, Oregon, Nevada, Texas & Washington. For any other states, we are able to refer you to a third party to assist you further.
This coverage is written on two different types of forms – Excess or Umbrella. Both types of coverage are designed, subject to the policy’s terms and conditions, to provide coverage above the coverages provided on your primary Commercial General Liability, Commercial Auto, and/or Employer’s Liability policies. This coverage is designed to be utilized when your primary policy limits have been used for the payment of claims and, in some cases, to provide coverage, where your primary policy(s) may not.
Property & Inland Marine
Property insurance provides coverage for your Building or required by lease, Business Personal Property while located at your place of business from various perils, such as fire & theft. Business Personal Property can include Office Contents (including desk, filing cabinets, computers) as well as Stock & Inventory (subject to policy definitions, terms and conditions).
Inland Marine insurance can provide coverage for your equipment (not permanently attached to your vehicle) that is taken to jobsites (including tool boxes, equipment, etc.) Bone Robertson and McBride, Inc. can offer you a comprehensive policy that is specifically tailored to meet your needs.
Professional Liability insurance, also known as Errors & Omissions, provides coverage for the rendering of or failure to render services (as specified in the policy). Such coverages protect you from third party claims for damages as a result of the services you have provided or failed to provide for them (in the event you are contracted to do such work).
Group Health Insurance
Whether you are company of 1 or a company of 50 or more, Bone Robertson and McBride, Inc. is able to provide you with a quote for Group Health/Medical Insurance tailored to meet your specific needs. We have access to markets providing PPO’s, HMOs and Kaiser. Contact us for a quote today!