Innovative Insurance Solutions

Commercial auto insurance can be a Monoline policy OR included in a Commercial Package Policy. There are five different kinds of policies for commercial vehicle owners. We offer all of them. We offer coverage in many different forms: Business Auto, Business Auto Physical Damage, Garage keepers, Truckers & Motor Carriers. Personal Auto Insurance coverage provides property and casualty coverage for individual vehicle owners not businesses. Coverage consists of 5 different areas: Casualty Coverage, Liability, Medical payments, Uninsured/Underinsured Motorist, Property Coverages, Collision, Other Than Collision (Comprehensive)

“Mom and Pop” business owners need the Businessowners Policy which provides coverage for commercial property, liability and other coverages. The Businessowners Policy is Not Suitable for businesses with the following characteristics: Car Dealers, Car Repair Services, Bars/Liquor Service, Banks or Credit Unions, Municipalities. At Innovative Insurance Solutions, we provide the Businessowner Policy (BOP) for small business as a single policy solution to best meet your needs.

Homeowners insurance policy is designed to provide protection against several possible perils. But Homeowners insurance is a packaged policy that covers damage to your property and liability for any injuries caused to you and your family members and guests due to a peril and around your home. There are different kinds of Homeowners policies: Owner Occupant (Broad Form, Special Form or Comprehensive Form); Tenants or Renters (Dwelling not included); Condominium Owners (Dwelling not included. Inside walls and floors included).

Commercial Umbrella Liability insurance policies are designed to provide businesses with extra coverage for catastrophic liability above and beyond the routine, every day exposures. In order to obtain Commercial Umbrella Liability coverage, the company must already own an underlying liability policy for example a commercial auto liability policy or a commercial general liability policy.

Worker’s Compensation coverage provides defined wage benefits and medical care for employees who have been injured on the job. It also provides benefits for dependents of workers who are killed on the job because of work related accidents or illness. At Innovative Insurance Solutions, we provide Workers’ Compensation insurance to business owners to best meet your needs.