Insurance coverage providing four types of benefits (medical care, death, disability, rehabilitation) for employee job-related injuries or diseases as a matter of right (without regard to fault). This insurance is usually purchased by the employer from an insurance company, although in a few states there are monopolistic state funds through which the insurance must be purchased. The premium rate is based on a percentage of the employer’s payroll and varies according to the employee’s occupation. Foley Insurance Group has a multitude of carriers and loss financing options to fulfill this coverage need for our customers.

Insurance which provides coverage for an insured when negligent acts and/or omissions result in bodily injury and/or property damage on the premises of a business, when someone is injured as the result of using the product manufactured or distributed by a business, or when someone is injured in the general operation of a business.

This insurance indemnifies an insured whose property is stolen, damaged, or destroyed by a covered peril. The term property insurance encompasses numerous lines of available insurance all of which the Foley Insurance Group can explain and secure for our customers.

Insurance coverage for automobiles used by a business when a liability claim arises out of the ownership, maintenance or use of an automobile or when the business’ automobile is subject to damage, theft or destruction. The business can select coverage for any auto in use, whether business, personal, or hired.

Insurance coverage that is excess liability coverage above the limits of a basic business liability insurance policy such as the general liability policu. For example, if a basic policy has a limit of $500,000, and it is exhausted by claims, the umbrella will pay the excess above $500,000 up to the limit of the umbrella policy, which may be as high as $10,000,000, $25,000,000 or more. The umbrella policy also fills some gaps in coverage under basic liability policies.

A type of commercial insurance that provides coverage for the business under the following policy forms:
1. Form A – Employee dishonesty involving money, securities, and other properties and may be written on a blanket insurance or scheduled policy basis.
2. Form B – Forgery or alteration involving outgoing checks, drafts, promissory notes, and other similar financial instruments.
3. Form C – Theft, disappearance, and destruction of money and securities.
4. Form D – Robbery and safe burglary (property excluding money and securities) involving losses inside or outside the premises of the insured business.
5. Form E – Premises burglary involving property (excepting money and securities) inside the premises of the insured business.
6. Form F – Computer fraud involving money, securities, and property other than money and securities.
7. Form G – Extortion involving money, securities, and property that does not include money and securities.
8. Form H – Premises theft and robbery outside premises other than money and securities.
9. Form I – Lessees of safe deposit boxes involving theft, disappearance, or destruction of securities or property other than money and securities while in a vault or during the deposit or withdrawal from a safe deposit box on the premises of the insured.
10. Form J – Securities deposited with others involving theft, disappearance, or destruction of securities that are on the inside of the premises of a custodian (party to which the insured has transferred the securities), or while the securities are outside the premises of the custodian in the possession of an employee of the custodian, or while the securities have

A combination of property and business interruption policy, usually written for small and medium-size businesses, to cover expenses: (1) resulting from damage or destruction of business property or (2) when actions or nonactions of the business’s representatives result in bodily injury or property damage to (an)other individual(s).

The Foley Insurance Group welcomes the opportunity to use our risk management and insurance expertise to assess a particular area or all areas of a firms risk management and insurance programs and processes on a fee for service consultative basis. We advise business managers if the current status the business holds is optimal for that business and why, or alternatively, if a more cost effective alternative may exist and why. We are also available to lead or assist in the implementation and monitoring of selected alternative risk management and insurance practices and programs to ensure that the desired objectives are being fulfilled.