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 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.

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

Veterinary

As a veterinary professional, you not only provide excellent care to the animals you treat, but also provide their owners with the peace of mind they need to sleep better at night. At P&I Insurance, we strive to provide you with that very same peace of mind.

We understand that you need coverage tailored to the specific risks of the veterinary profession. Whether it’s protection for a pet lost while under you care or your building has been damaged from weather or vandalized, P&I Insurance will provide the coverage you need so that you can focus on what you do best.

Medical Professionals

Medical professionals provide patients with individualized care and expertise. P&I Insurance provides medical professionals with the very same treatment. From protection for everything from general liability, business property, data compromise, valuable papers and records, and professional liability, P&I Insurance can prescribe unique and comprehensive coverage that can be customized to meet your practice’s needs.