Property / Casualty Insurance 

  As your underwriter and marketing guard, your insurance portfolio can change in a moment for a variety of reasons.  New location or an acquisition will impact your underwriting analysis, we will help you anticipate and execute these changes.  We involve you in assessing your exposures.  For detailed information for specific data scrolldown through the following options:

 Worker Comp- Federal + State specific

This coverage provides compensation for injuries, which occur at the work place. Each state regulates this coverage. From a small business program to retrospective rating programs to self-insurance we will work for our clients to ascertain to the best alternatives for their individual exposure.  We can also assist with the loss control programs needed to prevent future occurrences.  The overall coordination of all the activities will impact your bottom line. 

General liability- This is a general term that means liability insurance for third party protection when a legal action is taken for negligence.  It incorporates your premises, products and contractual issues which may arise.  We will analyze the needs of each client’s situation.

Property Insurance- Provides financial protection for your commercial locations.  Commercial property packages provide a comprehensive approach to many property coverage’s. We will promise to make certain all aspects of coverage are explored and all issues are account for and executed.  There are various transfer mechanisms and methodology available.  Let us custom fit a program for you!       

Commercial Auto- This coverage is straightforward and similar in nature to the personal side.  However, there are distinctive differences, which will be explained in detail.

This coverage can and will be coordinated with any excess liability program. The proper evaluation of this coverage area is mandatory.  We constantly see too many GRAY areas’s concerning ownership, usage, family issues. We will focus everyone on the same goal ACCURATE & CORRECT coverage thru a consistent underwriting approach.

Product Liability- This deals with any products which are manufactured, assembled and the associated financial loss which you may be legally liable to indemnify.

Tyrol Insurance underwrites all product liability exposure area’s and combats the costs associated.  We will explain all the alternatives so an informed calculated decision can be made.  There are numerous transfer mechanism available and depending on severity of risk it is paramount all options are made available.     

Umbrella/ Excess liability- this is another layer of liability protection, which comes over top of your primary liability limits.  The underwriter and exposure will measure the sophistication of the necessary program.  We will work in conjunction with you and the provider to make certain the proper coverage is placed. It’s often difficult to understand the various exclusion and format which are available; we will direct and coordinate their effort.

Alternative Options- Standard marketing approaches do not fit all clients and other avenues may to be sought out.  The traditional avenue just isn’t enough.  Tyrol Insurance will provide various alternate options which may be designed in conjunction with standard markets, self-insured or similar client pooling resources.

Professional liability- This provides coverage for “professional service” rendered, which legal action is taken against you.  As a professional your extensive training and expertise is relied on by clients.  Due to this expertise you can be held responsible in a court of law.  The professional exposure is the error or omission which can occur, hence this is the name of the coverage.  Tyrol insurance will assist in identifying any potential professional exposure and work on the best viable solution.   

Director + officers- This is another area which an error was but this is a breech of duty, judgments or some act which is considered wrong related to the business.

Life, Health + Disability- Offering your employees optional or additional benefits will surely instill better persistency in employment.  Tyrol insurance will work closely with all clients to make sure the solution fits.