The B & G Group realizes that businesses of all types and sizes face diverse and constantly changing coverage needs. We conduct a thorough review of our clients operations to understand their exposure to loss. We are constantly working to keep apprised of new product developments and coverage solutions that can improve the protection we offer our clients. We can design the most comprehensive and cost-effective insurance programs to address our clients' various exposures to loss.

Some of the Commercial Insurance coverage's B&G provides:

• Property
• Liability
• Automobile
• Crime
• Workers' Compensation
• Ocean and Inland Marine
• Umbrella
• Bonds
• Professional Liability
• Directors & Officers Liability
• Employment Related Practices Liability

Some of the Industries B&G specializes in covering:

• Real Estate – Residential & Commercial
• Wholesalers
• Law Firms and Professional Practices
• Manufacturers
• Distributors
• Retailers
• Importers
• Health Care Risks
• Schools And Colleges
• Associations and Trade Groups
• Web Based Businesses
• High Technology Industries
• Municipalities

COMMERCIAL INSURANCE FAQ'S

What is the difference between Replacement Cost (RC) & Actual Cash Value (ACV) property valuation clauses?
Replacement cost is the cost to replace damaged property with like kind and quality without taking into account depreciation. Actual cash value is calculated by deducting the amount of depreciation from the replacement cost at the time of loss.

My General Liability policy has both an Each Occurrence Limit and an Aggregate Limit. What does this mean?
The Each Occurrence Limit is the most an insurance company will pay for bodily injury or property damage as a result of any one occurrence or claim. The Aggregate Limit is the policy's maximum amount that can be paid during the policy term regardless of the number of claims put forth during the policy period.

My controller makes bank deposits on a daily basis using her own car to drive to the bank. How can I make sure my company is protected if she has a serious accident?
Hired Car/Non-Owned Automobile Liability will protect the business interest in the event that any employee uses his or her own vehicle or a rented vehicle for any business purpose and suffers an accident for which you could be held accountable.

I own a computer consulting firm and send my employees to my clients' offices. How can I be protected in the event I am sued because of alleged discrimination or harassment by my employees?
Most Employment Related Practices Liability insurance policies (EPLI) do not include coverage for claims made by a third party. Most insurers, for an additional premium, offer an endorsement that would provide the protection for third party related claims.