Specialty Lines

Liquor Liability

Now that you’re here, you’re one step closer to the solution for your business’s liquor liability. If you’ve been in the Bar/Tavern or Nightclub business for some time, you have probably thought to yourself that there must be a better way to insure your risk. As opposed to the costly and inconsistent insurance offerings you’re used to, we offer more strategic solutions than the conventional methods our competitors present.

While common sense tells you that the inebriated person should be responsible for their actions, in reality, the business that served the alcohol is often held liable for their patrons’ behavior. Depending on the laws in your state, that risk is more or less significant. We know your exposure and are ready to share our knowledge with you. After we speak, you will have a far greater understanding of what has been missing from your business plan to-date.

Some policy features:

  • A&B coverage up to policy limits. NO SUBLIMIT.
  • Only “A” rated or “Excellent” rated carriers.
  • We promptly investigate, manage and control the claims process while vigorously defending/warding off unwarranted claim allegations.
  • Loss control assistance.
  • Coverage available in all 50 states.

Liquor liability is our specialty and we look forward to working with you soon.

Commercial Auto / Transportation

Your business is to get from point A to point B. During those travels many unforeseen obstacles may arise, but P&I Insurance is here to help you overcome those roadblocks. Whether you operate one truck, a fleet, or specialty vehicles, we prepare a plan to mitigate your risk which will propel your business to the next level.

With access to unlimited carriers and programs, we have the ability to meet your needs. We write all of the following on an individual or fleet basis:

  • Passenger car/pickup/van/bus
  • Box Truck
  • Flatbed
  • Limousine & Taxi cab
  • Tank Trucks (including fuel)
  • Tractors & Trailers
  • Tow Truck
  • Waste Removal Truck

Health and Human Services

Health and Human Services can consist of daycare for children to home care to care for the sick. This is one of the largest growing areas of need in the country and is expected to grow even more in the near future. P&I insurance can help you gain coverage for the following:

  • Daycare (Child and Adult)
  • Home Care and Home Health Care
  • Nursing care and homes
  • Social Services
  • Healthcare Facilities

Get a plan together today with the specialists at P&I Insurance.

Commercial Property & Builders Risk

Commercial properties are commonly underinsured and missing key coverages’ needed. Here at P&I Insurance we will help customize a policy to protect your building and construction needs.

We have the ability to get you coverage for the following properties:

  • Apartments and condo buildings
  • Warehouse
  • Vacant
  • Single means of egress buildings
  • Dual habitational buildings
  • Multi-level structures

We are also able to help with your building needs utilizing “Builders risk” to cover the structure and building material during the construction & “Owner Interest” to cover your liability associated with the property. Contact us to get the proper protection your business needs.

Construction and Contracting

Construction and contracting occupations involve some of the most diverse and risky work performed. Therefore, these projects are exposed to a great deal of potential litigation.  At P&I we create a comprehensive plan that allow you to manage risk as efficiently as possible while meeting your expected timelines. Our clients appreciate our expertise which ensures nothing is left to chance. 

We have experience is all of the following areas:

  • General Liability
  • Builders Risk
  • Wrap ups
  • Project Specific Programs
  • Environmental/Pollution
  • Railroad Protective Liability

Professional Liability

As a professional that uses their expertise in the workplace, you will need the protection of Professional Liability. When errors, omissions, or professional negligence occur, even if they are a mistake you want to make sure that you and your business are covered. Professional Liability insurance defends you and covers some of the accruing costs associated with a lawsuit.

Some common forms of professional liability offered by P&I:

  • Errors and Omissions
  • Directors and Officers
  • Employee Practices
  • Malpractice

Minimize your financial burden by allowing a P&I Insurance specialist review your professional needs, and develop a plan to protect by using the πRisk formula.

Programs available for the following:

  • Cyber Liability
  • Workers Compensation
  • Manufacturing
  • Medical Professionals
  • Environmental
  • Energy Sector
  • Veterinary
  • Cargo