Specialty Insurance

East Pasco Insurance offers more than 700 insurance products over and above the coverages sold by most independent agencies.

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Additional Categories

Barber Shop Liability

Barber Shop Liability
Barber shop premises liability and barber shop professional liability coverage should be combined on a single policy. Most Businessowners Policies (BOPs) provide this combined liability for eligible operations. However, barber shops that do not qualify for a BOP treatment will need to find such coverage with a carrier that specializes in their exposures. This explanation of insurance benefits is provided by Insurance Marketplace.

Beauty Shop Liability

Beauty Shop Liability
Beauty shop premises liability and beauty shop professional liability coverage should be combined on a single policy. Most Business Owners Policies (BOPs) provide this combined liability for eligible operations. However, beauty shops that do not qualify for a BOP treatment will need to find such coverage with a carrier that specializes in their exposures. This explanation of insurance benefits is provided by Insurance Marketplace.

Bed and Breakfast Inns

Bed and Breakfast Inns
Bed and breakfast inns are homes to their owners and lodging for paying guests. They are popular with tourists who want something different than what is available in regular hotels or motels. This explanation of insurance benefits is provided by Insurance Marketplace.

Bonds

Bonds
Provide a guarantee to people that the person or businesses that is bonded is trustworthy and will do what has been promised.  There are two main groups of bonds:  fidelity bonds, and surety bonds.  Fidelity bonds are held by people who want to provide proof they can be trusted to work inside homes, and in other situations requiring a high degree of trust.  Surety bonds provide assurance that the bonded person will complete work that has been promised. Typical kinds of bonds: Commercial Surety Bonds Contract Surety Bonds Fidelity Bonds Bid, Payment and Performance Bonds Commercial Crime Policy Indemnity Bonds Performance Bonds Fiduciary Bonds Churches.  This class of business is usually not difficult to place and is underwritten by many standard insurers. However, certain markets specialize in providing coverage for churches. Values subject to a total loss may be high. This explanation of insurance benefits is provided by Insurance Marketplace.

Business Legal Expense

Business Legal Expense
This coverage protects business owners against certain types of unforeseen legal expenses. An important limitation is that it covers only legal expenses that qualify as a deductible expense on the insured's tax form. It is not intended to pick up legal expenses that the insured's general liability insurance covers. Examples include preparing and reviewing contracts, forms, and documents; litigating contract claims; responding to consumer legal actions; advising on labor problems; and even certain white-collar criminal charges. It reimburses legal expenses for defense costs, legal consultation, and plaintiff actions. Pricing is based on the types of expenses covered and the limits purchased. This explanation of insurance benefits is provided by Insurance Marketplace.

Employment Benefit Plans Liability

Employment Benefit Plans Liability

This insurance covers the insured employer against claims made by its current or former employees due to damages caused by negligent acts, errors, or omissions in the employer’s administration of employee benefit programs. It covers claims resulting from the giving of incorrect advice concerning an employee's health care or pension plan or for failing to enroll employees under a benefit program. It usually excludes all fiduciary responsibility. It may be written on a separate policy or be endorsed to the employer's commercial general liability policy. This explanation of insurance benefits is provided by Insurance Marketplace.

Typical Coverages:
  • General Liability
  • Contractors
  • Products Liability
  • Lessor’s Risk 
  • Employee Liability
  • Cyber-liability
  • Lessors Risk
  • Commercial Liability Risk

Home Business Insurance

Home Business Insurance
Most homeowners coverage forms and policies include limited protection for certain in-home businesses. This coverage is often inadequate for many types of home-based businesses. This coverage insures home-based businesses that are beyond the scope of standard homeowners forms. This explanation of insurance benefits is provided by Insurance Marketplace.

Jewelers Block

Jewelers Block
Jewelers block coverage is not limited to only retail jewelers. Any risk that has jewels, jewelry, or precious metals in its inventory needs this coverage because standard commercial property policies significantly limit theft coverage on such property. Every market for this coverage requires detailed applications, known as proposals that become part of the policy. Security systems with maintenance agreements are required and a warranty on the policy requires that both remain in proper operating service throughout the policy’s term. This explanation of insurance benefits is provided by Insurance Marketplace.

Service Businesses

Service Businesses
Every business, even if home-based, needs to have liability insurance. The policy provides both defense and damages if you, your employees or your products or services cause or are alleged to have caused Bodily Injury or Property Damage to a third party. Both types of insurance policies protect against losses caused by the company or its employees in addition to protection against third-party lawsuits. Also, some businesses may carry business interruption insurance. This explanation of insurance benefits is provided by Insurance Marketplace.

Valued Business Interruption Insurance

Valued Business Interruption Insurance
This is sometimes referred to as per diem business interruption. The insured selects a maximum amount it receives per day because of loss of income sustained following a covered direct property loss. The coverage provided is similar to other types of business income or business interruption coverage forms. This explanation of insurance benefits is provided by Insurance Marketplace.

Yachts and Pleasure Boats

Yachts and Pleasure Boats
Package-type policies are available for most types of power and sailing vessels. Property coverage is usually provided on an "all risks" type basis for physical damage (hull) coverage. Liability is provided under protection and indemnity type coverage. Passenger, water skiing liability and property coverage on equipment and trailers are optional coverages that are available. Coverage for boat trailers, personal effects, medical payments, and uninsured boaters are other important available options. Watercraft more than 25 years of age is usually written under separate antique and classic boat programs. This explanation of insurance benefits is provided by Insurance Marketplace.

Haven’t found the coverages you're looking for?

As a USA InsureNet Agency, we have access to the nation's premier directory of specialty products and programs.  You can download this below.

The 58th Edition of The Insurance Marketplace by Rough Notes contains more than 700 coverages, programs, and service industry categories and is the most widely used directory in our industry for locating Specialty Market Providers. 

If you see a coverage you are interested in, please reach out through the contact us button for more information. 

Download the Directory


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Specialty insurance coverages and programs are offered by independent agencies that market/sell those insurance products. These coverages come from companies known as "Specialty Market Providers" or "SMPs" and are represented by East Pasco Insurance.