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Business Insurance
 
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MANN INSURANCE offers business insurance coverage for all business sectors, focusing on the distinct needs of your business. We provide solid insurance protection for all business and only recommend AM BEST rated carriers with an A- VII or better.

MANN INSURANCE can hand craft coverage for businesses in one portfolio for every kind of trade, including: wholesalers, retailers, service, and office. Coverage may include: building and structures, business income and extra expense, business personal property, general liability, newly acquired buildings, outdoor property, EDP equipment coverage, and many more. We also offer our policies in a package or mono-line.


Business Property

Business property includes: buildings, machinery, office equipment, inventories, and goods transported over water or on land.

Important issues that need to be addressed include the following:

General Liability
MANN INSURANCE offers general liability coverage which provides the insurance protection needed to pay for bodily injury or property damage that arises from the insured’s normal operations. In addition to the limits, the policy provides supplemental payments for attorney fees, court costs, and other expenses associated with a claim. Coverage includes:
  • Premises/operations

  • Products/completed operations

  • Each occurrence

  • Aggregate coverage

Worker's Compensation
Worker’s compensation provides replacement income and medical expense reimbursement to employees who are injured or become ill as a result of their occupation. Because worker’s compensation laws are dictated by the state legislatures, benefits vary from state to state. It is designed to cover most accidents that may occur in the course of employment without regard to fault. In most cases, if an injured employee receives worker’s compensation benefits, they cannot sue their employer. In most states, compensation is not payable if the injury was due to employee’s intoxication, willful intent on employee’s part to injure themselves or another, or willful act of a third party for personal reasons concerning the employee.
  • Coverage for job-related injury or illness

  • Replacement income for employees

  • Medical expense coverage

Property In Transit
MANN INSURANCE offers personal and commercial automobile insurance with the option of liability only or liability and physical damage coverage. The automobile policy may be written with a home or business policy. Our rates are competitive and carried by more than eight different A rated AM best companies.

Commercial Automobile Insurance
We provide commercial automobile insurance to cover both liability and physical damage exposures. MANN INSURANCE provides programs with a wide range of primary and excess limits, while offering a variety of deductible options. Business auto coverage is used by businesses within service firms, retail stores, and manufacturers.

Environmental Insurance Division

At all times it is imperative that all insurance agents must know what their customers needs are.  In any case where there is an environmental exposure the insurance broker must know exactly how to insure any claim that could occur.  A potential claim is the single most important thing a broker can assist planning for.  Fear of the unknown is the driver behind this skill set and mind set.  Our professional team handles each risk as if it were our own business.  A catastrophic loss is what we must always plan on.  The key to any claim is to make sure it is covered before it happens through the evaluation of a Probable Maximum Loss (PML).  When we plan for the PML we can assure the customer that there will be the coverage to rebuild / replace / continue business operations during the period of restoration.  This is our biggest claim to fame; we bring in the best team to assure the values are the best they can be.


Contractors Pollution Liability
Potential Policy Holders: Contractors and Consultants Coverage for UNKNOWN Losses
Coverages: Covers third-party claims for bodily injury, property damage, and environmental damage resulting from pollution conditions caused by the performance of covered operations, both on-site and migrating from the job site; Onsite and offsite cleanup costs; Defense costs
Sample Premium: $5000
Limits: $1,000,000 to $100,000,000
Deductibles: $2,500 and up

Cost Cap Coverage
Potential Policy Holders: Property Owners, Developers, Municipalities, Contractors for KNOWN Contaminants
Coverages:  Coverage available for clean-up costs that exceed the self-insured retention (up to the limit of liability); the self-insured retention (SIR) is the expected cost of clean-up Provides protection for clean-up cost overruns when actual contamination exceeds expectations;  May be underwritten for both pre-approved remediation plans and plans in progress; Coverage available for on and off-site clean-up; Protection against pollution conditions newly discovered during the implementation of the remediation plan
Sample Premium: 8 to 20% of the estimated cleanup costs
Limits: $1,000,000 to $25,000,000
Deductibles: The average is 20% of the estimated cleanup costs

Pollution Liability
Potential Policy Holders: Property Owners and others named to the policy (developers, investors, remedial contractors) for UNKNOWN losses
Coverages:  First party above & below ground sites;  Third party property adjacent to insured premises above & below ground for cleanup, bodily injury and property damage; Legal defense costs; Non- owned disposal site
Sample Premium: Average is $75,000 to $100,000
Limits: $1,000,000 to $150,000,000
Deductibles: The average is $100,000

Contractors and Engineers General Liability
Potential Policy Holders: Contractors and Engineers
Coverages: Covers claims for bodily injury or property damage as a result of the business operations, whether the injury or damage occurs on your premises or at your job site; Injury or damage caused by the goods you've sold, for work you've performed, for offenses arising out of the advertising of your goods and services and for false arrest, libel, slander, defamation of character, and wrongful eviction others.
Sample Premium: $10,000 minimum
Limits: $1,000,000 to $25,000,000
Deductibles: $2,500 to $10,000

Environmental Contractors and Engineers Professional Liability
Potential Policy Holders: All environmentally related consultants, contractors and engineers specializing in environmental and hazardous and toxic waste projects
Coverages: Damages (including pollution liability) from acts, errors, or omissions in professional services; Events such as the failure of the consultant to detect contamination during a phase I or phase II audit, or negligent design of a remediation.  Should a contractor or engineer cause a 3rd party to have a monetary loss as a result of any act, error, or omission. 
Sample Premium: $5000
Limits: $1,000,000 to $100,000,000
Deductibles: $2500 and up

Commercial Auto
Potential Policy Holders: Companies with employees who drive company or personal cars on company business
Coverages:  Provides coverage for bodily injury and property damage to a 3rd party as a result of the insured's employee operating a vehicle.  Hired and Non owned auto liability must also be part of the policy to complete the coverage.  Coverage for damage to a 3rd parties insurance information due to a hit and run; Liability for owned, non owned, and hired autos.  Any driver with permission to operate an insured's vehicle is covered in that vehicle regardless of license status or driving record. 
Sample Premium: Based on location
Limits: $500,000 minimum
Deductibles: $500 and up