BUSINESS INSURANCE
The Red Star advantage is access to the strongest insurers in the domestic and international markets to meet your insurance needs. Red Star can design an insurance program for the home based business, the mid-sized business, or for global firms. Business insurance is our core specialty. We will shop the markets and work hard to provide your business with the most competitive rates and coverage.
Red Star is ready to help you find the protection you need.
- Commercial General Liability
- Product Liability
- Umbrella Excess Liability
- Employee Benefits Liability Insurance
- Pollution Insurance
- International Insurance Coverage
- Commercial Auto
- Property Insurance
- Inland and Ocean Marine Insurance
- Workers Comp
- Professional Liability
- Employers Practices Liability Insurance
- Director & Office Liability
Solutions for:
- Manufacturers
- Importers & Exporters
- Wholesalers & Distributors
- Technology, Internet Services
- Computer Programmers and Software Developers
- Retailers
- Restaurants
- Auto Repair, Body Shops, Gas Stations
- Apartments, Condominiums, Homeowner's Association, Planned Unit Developments
- Hotels / Motels
- Property Owners , Shopping Centers, Office Buildings
- Vacant Land
- Professional Services, Offices, Doctors, Lawyers, Accountants etc
Some Common Exclusions in Business Insurance
Note: most exclusions can be covered by purchasing a separate and specific insurance policy:
- Earthquake - Including Earthquake Sprinkler Leakage
- Flood including sewer & drain backup.
- Electrical Arching, Mechanical Breakdown, Explosion
- Off Premises Power Failure
- Building Ordinance
- Demolition
- Loss to undamaged portion of building due to ordinance/law
- Absolute Pollution - covered by Pollution Liability Insurance
- Discrimination, Wrongful Discharge, Sexual Harassment - covered by Employment Practices Liability Insurance
- Rendering or failure to render professional service - covered by Professional Liability
- Punitive and/or Exemplary Damages
- Rental Car Physical Damage
- Business Auto Loss of Income due to down time
- Hostile Fire
- Breach contract
