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Products
Personal Insurance
Auto
Homeowners
Motorcycle
Watercraft
Life
Health
Umbrella
 
Business Insurance
General Liability
Business Owners Policy (BOP)
Professional Liability /Errors and Omissions
Workers Compensation
Umbrella / Excess Liability
Nightclubs / Bars / Restaurants
Apartment Buildings
Commercial Property
Product Liability
Contractors Liability
Cyber Liability
Commercial Auto
Course Of Construction
Contractors WRAPs /Bonds Completion Bonds
 

Personal Insurance Products

Charter Risk Management and Insurance Agency offers a wide range of personal insurance products including auto, homeowners, motorcycle, watercraft, life, health, and personal umbrella insurance. Please click on the type of insurance below for more information.

Auto

Homeowners

Watercraft

Life

Health

Umbrella

Business Insurance Products

Charter Risk Management and Insurance Agency offers a wide range of business insurance products.  Please click on the type of insurance below for more information.

General Liability
Commercial General Liability (CGL) is probably the most common business liability coverage. General Liability coverage responds to claims of bodily injury (someone comes into your office and slips and falls, or you go to a client’s location and physically injure someone) and claims of property damage (you knock a vase off a desk during a client meeting). These policies typically also respond to claims of personal injury (including slander or libel), and advertising injury.  Learn more…

Business Owners Policy (BOP)
A General Liability and property package policy includes General Liability insurance to cover your commercial liability and property insurance for physical assets, such as contents, that are leased or owned.  Learn more…

Professional Liability / Errors and Omissions
Professional liability can include basic errors and omissions coverage or can be broadened to cover claims of software copyright infringement or even cyber liability. Errors and Omissions coverage is available from more insurance companies than ever and it is possible to customize a policy to address your specific risks. Essentially, these polices protect you if a client alleges that your company’s professional negligence caused them to suffer a financial loss.  Learn more…

Workers Compensation
In many states, if you have any employees, you are required to cover them under a Workers' Compensation policy. Workers' Compensation has two coverage areas: 1) medical and disability coverage for on-the-job injuries or work related illness, and 2) coverage for your liability if an employee is injured on the job and alleges that your negligence contributed to the injury or illness (Employers’ Liability). In many states sole proprietors and company principals such as owners, officers and partners can exclude themselves from workers' compensation coverage.  Learn more…

Umbrella / Excess Liability
When the amount of liability coverage provided by your General Liability, Auto Liability, and/or Employers Liability is not enough, Umbrella or Excess Liability coverage can be the solution. Umbrella coverage is typically added as an endorsement on a General Liability policy, but is sometimes a separate policy. Additional coverage is offered in increments of $1,000,000 up to $10,000,000 or more.  Learn more…

Nightclubs / Bars / Restaurants
Charter Risk Management and Insurance Agency understands that due to the nature of their enterprise and clientele, nightclub and bar owners must be prepared for more liability claims than most other business owners. Nightclub/Bar/Restaurant Insurance consists of several coverage categories that in combination protect you from property damage and bodily injury claims as well as risks that are more specific to your business.  Learn more…

Apartment Building
Apartment Building Insurance, also known as Landlord Insurance, consists of several coverage categories that in combination protect building owners.  Apartment building owners must protect themselves from property damage, liability for bodily injury that occurs on their premises, personal injury suits stemming from wrongful eviction or libel/slander charges from tenants, and crime.  Learn more…

Commercial Property
Commercial Property Insurance consists of several coverage categories that in combination protect building owners.  Commercial property owners must protect themselves from property damage, liability for bodily injury that occurs on their premises, personal injury suits stemming from wrongful eviction or libel/slander charges from tenants, and crime.  Learn more…

Product Liability
Protection against financial loss arising out of the legal liability incurred by a manufacturer, merchant, or distributor because of injury or damage resulting from the use of a covered product.  Learn more…

Contractors Liability
This insurance protects against loss when bodily injury and property damage occur before or after the completion of a work order. Contractors Liability Insurance is almost always required by contract before any operations begin.  Learn more…

Cyber Liability
Technology E&O (Errors & Omissions) protects your company should your clients hold you responsible for your technology services and products, and includes coverage for computer software, IT consulting, system and network design, sale of hardware, installation, staffing and training. Our Technology Errors & Omissions coverages include a broad definition of computer systems and information technology-related professional services.  Learn more…

Commercial Auto
You need commercial auto coverage if you or your employees will use titled vehicles in their work. Many small-business owners believe that if their car is in their personal name then commercial coverage is not necessary and their personal auto policy will cover the auto. This is not true. Most personal auto policies exclude from coverage the use of a vehicle for commercial purposes.  Learn more…

Course of Construction
Course of construction insurance basically entails extra coverage beyond that normally offered to homeowners. This is because basic insurance for homeowners doesn't cover construction costs. So, the extra coverage can cover you against any bodily injuries or property damages that may occur in your construction efforts.  Learn more…

Contractors WRAP’s , Bonds and Completion Bonds
The customary approach for insuring against risks associated with work under third-party contracts is to require contractors to purchase and maintain insurance coverages that the grantee specifies within the terms and conditions of the third-party contracts. There are situations, however, when it may be advisable for the grantee to consider purchasing some type of "wrap up" program for their larger construction projects (those over $10M). These programs are also known as "owner controlled insurance programs (OICP)." A wrap-up program is one in which the grantee procures an insurance program covering all contractors and subcontractors who will be working on a large construction project.  Learn more…

 

For more information please call us at (415) 876-5440.  You can request a free quote here.

 

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