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Some business’ have multiple exposures on Property and
General Liability risks. With these exposures it can be
beneficial to combine the protection from the property
and liability onto one policy these policies are called
Package Policies.
Regardless of the size of
your business, we can get a package policy designed with
coverage’s and limits based on your business needs and
requirements.
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TAXI INSURANCE
We have over twenty
years of experience writing taxicabs. Whether you
need information about how to minimize the risks for
your business or have to report a claim, you can be
confident that our experienced staff will be
available to guide you. We provide you with friendly
and responsive services, tailored coverage’s and
highly competitive rates.
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LIVERY/LIMO INSURANCE
What we bring to the
livery market is our relationship with many of the
key insurance companies in this industry. Insurance
companies are currently very competitive and
aggressively seeking this class of business. By
having strong relationships with the insurance
companies, we are able to get you the lowest
premiums available.
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PARA-TRANSIT INSURANCE
Para transit is a relatively new classification of
public auto that requires a specialized knowledge to
properly place coverage with an insurance company. We
currently write many of the largest fleets in
Massachusetts in this line of business. Not only do we
provide competitive rates but we have the skill sets to
advise our insured on the best practices in regards to
loss control and claim processes in order to keep your
insurance at a low premium.
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AUTO SERVICES
We provide a full
line of insurance options specifically design
for the Auto Service industry. We provide you
with friendly, professional, prompt and fair
claims service. We offer markets with experience
and stability that offers highly competitive
rates.
Coverage's:
- Auto
Liability
- Pollution
- Fuel Storage
- General
Liability
- Inland
Marine
- Property,
leased
- Garage
liability
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Garagekeepers
- Tools
- And many
more
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AUTO DEALERS
Our full line of
insurance options specifically design for the
Auto Dealers; Franchised, Non Franchised and
Used Auto Sales, offer fast, effective claims
service, flexible payment plans and competitive
markets.
Coverage's:
- Commercial
Property, Inland Marine
- Garage
Liability and Commercial Auto
- Errors and
Omissions
- Umbrella
Coverage
- Workers’
Compensation
- And many
more
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CONTRACTORS
We provide a full
line of insurance options designed for the
Artisan Contractors. Our markets offer a wide
range of coverage for the Builder, Plumber,
Electrician, and Landscaper. We provide multiple
markets that offer solid programs to handle the
unique needs of your business
Coverage's:
- Business
income / Extra expense
- Property
- Workers
Compensation
- General
Liability
- Inland
Marine
- Equipment /
tools
- And many
more
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OIL INSURANCE
Have a fuel oil delivery business? We can get you very
competitive rates on your auto insurance for the
delivery truck.
Coverage's:
- Auto Liability
- Pollution
- Non-owned and hired Car
- General Liability
- Products and Completed operations
- And much more -
call us and speak to one of our Fuel Oil
representatives directly.
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SEPTIC
SERVICE INSURANCE
We provide a full
line of insurance options specifically designed for
the Septic industry. We provide you with friendly
and responsive service, tailored coverage’s and
highly competitive rates. We are focused on the
septic haulers, septic systems installers and the
typical corresponding services.
Product Offered:
- Automobile Insurance for pumping trucks and other
vehicles
- Commercial General Liability
- Pollution Liability
- Professional Liability
- Excess/Umbrella
- Workers Compensation
- Property
- Inland Marine
Product Features & Benefits:
- High Quality Insurance e Carriers
- Local and Responsive Services
- Relationship and Industry Driven
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SURETY/BONDS INSURANCE
Surety Def: Formal, legally enforceable contract between
a first party (the principal or obligor), a second party
(the customer or obligee). and a third party (the
surety, such as a bank, bonding company, or insurance
company) whereby the surety guarantees payment of a
specified maximum sum, or to otherwise compensate
(indemnify), the obligee against damage or loss caused
by the actions (or a failure to perform) of the obligor.
Commercial Bonds:
Auto Dealer Bond - A license and permit bond required by
many states in order to operate as an auto dealer.
Broker Bond - A vague term used to describe various
types of brokers (e.g. freight broker, mortgage broker,
etc.)
Cigarette Tax Bond - May be required of cigarette
distributors to guarantee payment of taxes.
Contract Bonds:
Bid Bond - A guarantee that the bonding company will
provide a performance bond If the contractor Is awarded
the job.
Maintenance Bond - A contractor bond in force following
a performance bond.
Payment Bond - Assures that the suppliers, laborers, and
subcontractors will be paid if the contractor defaults.
Court Bonds:
Appeal Bond - A bond required by a court prior to an
appeal. Appeal bonds always require 100% collateral.
Custodian Bond - Another term used for guardianship
bonds.
Estate Bond - Another term used for probate bonds.
BUSINESS OWNERS INSURANCE
LIGHTHOUSE currently represents many of the insurance
companies providing automobile insurance in
Massachusetts. As a result, we can offer our customers
many different policies, coverage's, and options. With
the introduction of Auto Reform in April 2008 we now
have the ability to "shop" the market for the best
program to fit your individual needs.
So what is Auto Reform?
Simply put, starting in April 2008 the auto insurance
premiums in Massachusetts will no longer be set by the
state (Insurance Commissioner) but by individual
insurance companies. Allowing the insurance companies to
set the rates creates competition in the marketplace,
which should be beneficial to the consumer.
WORKERS COMPENSATION INSURANCE
This coverage will provide protection for employees
including medical expenses and loss of income do to an
injury sustained on the job.
The State of Massachusetts requires all business’ to
have Workers Compensation.
We have several companies to choose from to get the
right fit for your business needs.
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