Business Owners Policy - Provides broad property and liability coverage in a single

                                                                         

                                                                               contract, it is designed for small and medium sized

 

                                                                                mercantile, office or apartment risks.  Additional endorsements

 

                                                                                may be required to cover a specific business's risk.

 

 

Workers Compensation - A policy, conforming to state law, which pays benefits to an

 

                                                                      employee (or an employee's family) if the employee suffers a job

 

                                                                      related injury (including death), or occupational disease.

 

 

Disability - A type of health insurance that pays a monthly income to the policyholder when he or she

 

                               is unable to work because of an illness or accident.