Products
Bart Taylor Insurance is proud to provide all of the following products of coverage…
- Property
- General Liability
- Builders Risk
- Workers Comp
- Umbrella
- Business Owners Policy (BOP)
- Special Events
- Professional Liability (Errors & Omissions)
- Commercial Auto
- Group Health
- Group or Individual Life Insurance
- Personal Lines (Home / Auto / Recreational)
- Construction Forms, Scaffolding and Temporary Structures up to $20,00
- Re-erection of scaffolding if caused by or results by a covered cause of loss up to $10,000-Valuable Papers and Records – Cost of Research up to $20,000
- Outdoor Trees, Shrubs, Plants and Lawns-Additional Debris Removal expense is covered up to but not exceeding $20,000 period of the policy.
- Covers Pollutant Clean-up and Removal of land and water for up to $15,000 for each 12 month- Fire Department Service Charge up to $10,000
- Reward up to $10,000
- Waiver of Coinsurance clause if loss is less than or equal to $25,000
- Foundations
- Property of others for which you are responsible
- 90 days occupancy coverage
- Our valuation will include profit if included in the Limit of Insurance you selected
- Broad Collapse coverage
- Back-up or overflow of sewers, drains or Sumps up to $5,000
- Paving, Curbing, Fences and Outdoor Fixtures
- Ordinance or Law Coverage up to $1,000,000 limit for construction of new structures only
- Lifetime medical benefits for necessary treatment of compensable injuries and illnesses
- Disability income benefits for a specified period of time and up to dollar limits set by law
- Limited funeral expenses for workers killed on the job
- Death benefits for surviving dependents of workers killed on the job
- Are intentional or self-inflicted
- Result from the employee’s horseplay or voluntary intoxication (either alcohol or drug-induced)
- Arise from voluntary participation in off-duty recreational, social, or sports events
- Result from “acts of God,” unless a person’s job exposes him or her to a greater than ordinary risk of injury from such acts
- Are inflicted by someone else for personal reasons unrelated to employment
- Beer Garden
- Car Show
- Concerts & Festivals
- Competititions
- Sporting Events
Don’t see the specific product coverage you need? Contact Us today.
General Liability
Under a general liability insurance policy, the insurer is obligated to pay the legal costs of a business in a covered liability claim or lawsuit. Covered liability claims include bodily injury, property damage, personal injury, and advertising injury (damage from slander or false advertising). The insurance company also covers compensatory and general damages. Punitive damages aren’t covered under general liability insurance policies because they’re considered to be punishment for intentional acts
Builders Risk
Builder’s risk insurance is a special type of property insurance which indemnifies against damage to buildings while they are under construction. Builder’s risk insurance is coverage that protects a person’s or organization’s insurable interest in materials, fixtures and/or equipment being used in the construction or renovation of a building or structure should those items sustain physical loss or damage from a covered cause.
Workers Compensation
Employers often buy workers compensation insurance to pay medical and income benefits to workers who have work-related injuries or illnesses. This type of insurance protects workers by assuring that they are compensated for their injuries, but it also is beneficial to employers. In addition to relieving them of liability for claims, workers compensation gives employers certain legal protections, including immunity from most employee injury lawsuits.
Workers receive benefits based on the type and severity of their injuries. Benefits can include
Benefits are not payable for injuries that
Umbrella Liability Insurance
An Umbrella Liability (more accurately Excess Liability) provides coverage for claims that exceed the amount of coverage on your General Liability policy and may also add coverage to your Commercial Auto coverage as well as the Employers’ Liability coverage on your Workers’ Compensation policy. Coverage is triggered when claims are in excess (thus the name) of the underlying insurance.
Special Events Insurance
We offer comprehensive insurance programs for our entertainment clients developed from the experience garnered by years of work in this field. Our programs have provided outstanding protection for thousands of entertainers and venues such as…
Professional Liability Insurance / Errors & Omissions Insurance
Errors and Omissions insurance, also sometimes referred to as professional liability, is insurance to protect you and your company in the event a client alleges they have suffered a financial loss as a result of an error or an omission committed by you in the delivery of your professional services. Professional liability coverage is separate from a General Liability (GL) policy which would cover you mainly for bodily injury or property damage liability.
Many firms that engage in delivering professional services obtain E&O insurance. These policies are typically issued in increments of $1,000,000 in coverage with deductibles from $1,000 per claim to $25,000. A number of insurance companies offer specialized professional liability policies developed for specific professions. It is worth your while to work with an agent or broker that as access to numerous insurance carriers so you can have some confidence that they can obtain the broadest possible coverage for you at a competitive rate.
It is very important for you to be aware that virtually all professional liability insurance policies are issued on a claims-made basis. That means that coverage is only provided for work that is done during the policy period and for claims that are filed (made) during the policy period. In effect, if an E&O insurance policy is cancelled, and no provision is made for an extended reporting period, then all coverage stops and it is as if you never had a policy.
Finally, every insurance policy contains exclusions. It is important for you to analyze the professional risks that are most threatening to your business and seek insurance that covers those risks. Discuss your concerns with your agent. He or she can help you identify a Professional Liability insurance policy that fits your needs.
Commercial Auto
We understand that safe drivers and dependable vehicles play a critical role in your company’s success. You use vehicles to provide mobility to your employees, equipment, and products. But road conditions, weather, and other drivers are out of your control. Just like the insurance on your own car, commercial auto insurance is there to provide coverage for you and your business.
Whether you manage just a few pickups or a full fleet of box trucks, you’ll find flexible coverage that works for your company. Our customizable coverage can include:
Coverage
Coverage for …
Bodily Injury
other people’s bodily injuries or death for which you are responsible
Property Damage
damages to someone else’s property for which you are responsible
Collision
your vehicle when your car hits, or is hit by, another vehicle
Comprehensive
your vehicle for losses resulting from incidents other than collision
Uninsured/Underinsured Motorist
you for bodily injuries, damages, or death caused by an at-fault uninsured or underinsured driver
Medical Payments
medical expenses to you and your passengers injured in an accident
Hired Auto
autos you borrow or rent
Non-Ownership
employees using their cars for the business
Group Health Insurance
Attract and keep quality employees by providing group health insurance.
Group health insurance companies in Texas cannot refuse insurance to qualified persons because of a health problem, nor can they be charged more than others in their group.
Get a risk free quote today.