COMMERCIAL LINE CARRIERS

We have strong working relationships with over 25 major Commercial Lines markets including:

  • Allied
  • CNA
  • Employers Compensation
  • Fireman's Fund
  • Golden Eagle
  • Preferred Employers
  • Safeco
  • Travelers
  • State Compensation Insurance Fund
  • Unigard
  • Zurich

BUSINESS PACKAGE
A combination of two or more classes or kinds of insurance in a single policy. A BOP policy, for example, is a package that can combine property, liability and automobile coverage for a business owner.

WORKERS COMPENSATION
Provides financial protection against loss or damage to the insured's property, other than automobile, caused by specified perils, such as fire, windstorm, hail, explosion, riot, aircraft, motor vehicle, vandalism, malicious mischief, riot and civil commotion, and smoke or, under Special Forms coverage, all perils not otherwise excluded or limited.

GENERAL LIABILITY
Coverage for an insured when negligent acts and/or omissions result in bodily injury and/or property damage on the premises of a business, when someone is injured as the result of using the product manufactured or distributed by a business or when someone is injured in the general operation of a business.

SURETY BONDS
Contract by which an insurer agrees to make good the default or debt of another. Actually, three parties are involved: the principal, who has primary responsibility to perform the obligation (after which the bond becomes void); the surety, the insurer with the secondary responsibility of performing the obligation if the principal fails to perform. (After the surety performs, recourse is against the principal for reimbursement of expenses incurred by the surety in the performance of the obligation, known as surety's rights of exoneration); and the obligee, to whom the right of performance (obligation) is owed.

FIDELITY BONDS
Coverage that guarantees that the insurance company will pay the insured business or individual for money or other property lost because of dishonest acts of its bonded employees, either named or by positions. The bond covers all dishonest acts, such as larceny, theft, embezzlement, forgery, misappropriation, wrongful abstraction, or willful misapplication, whether employees act alone of as a team.

EXCESS (UMBRELLA) COVERAGE
A form of insurance protection against losses in excess of amounts covered by other liability insurance policies; also can protect the insured in many situations not covered by the usual liability policies. This policy is available for both personal and commercial lines coverage.

COMMERCIAL AUTO
This coverage can provide a combination of liability protection and physical damage coverage for loss due to vehicles owned, maintained or used in your business and can also include additional coverage such as medical payments and uninsured motorist protection.

CROP-HAIL INSURANCE
Protection against damage to growing crops from hail, fire, or lightning provided by the private market. By contrast, multiple peril crop insurance covers a wider range of yield-reducing conditions, such as drought and insect infestation, and is subsidized by the federal government.

PROFESSIONAL LIABILITY
Covers professionals for liability arising from their negligence and/or errors or omissions while performing their professional services.

EMPLOYMENT PRACTICES LIABILITY
Insurance for employers that covers liability from wrongful acts arising from employment related activities including allegations of discrimination, wrongful termination and sexual harassment.

GROUP HEALTH
We offer plans for both small and larger employers from all of the major carriers. Most plans are either a PPO (Preferred Provider Organization), where doctors agree to be part of an organization that offers services at a discount, or an HMO (Health Maintenance Organization), where the insured chooses a primary care physician who provides all initial services and refers the patient to specialists as needed. A less common plan would be an EPO (Exclusive Provider Organization). Another option for you to consider is full or partial self-funding options. These sometimes offer substantial premium savings depending on the health and plan usage of the group. The biggest advantage to a group plan versus individual medical is that owner and employees don’t have to qualify medically to be on the plan.

GROUP LIFE
This coverage allows your employees to obtain basic life insurance protection without having to qualify medically. The plan typically provides a base amount of coverage selected by you the employer, and your employees have the option to increase the amount of coverage by paying additional premiums. This is viewed as a valuable benefit by employees and is obtained at a relatively low cost.

GROUP DISABILITY
These plans typically have two components. One is for short-term periods of disability and the other is for long-term disability (which begins after the period of short-term coverage ends). Most plans pay an established percentage of an employee’s pay if they have a qualified disability. Most short-term coverage begins after 90 days of disability and long-term portion begins after 180 days of disability. As the employer, you usually pay the premiums. This coverage helps keep you and your employees from being financially devastated during an extended illness or injury.

INSURANCE DISCLAIMER

The information on this website is intended for general information and as an aid to understanding the products and services available through Reinhardt Insurance. It is not designed to provide specific financial, legal, insurance, and investment or accounting advice. This website contains information about coverage’s offered by Reinhardt Insurance but is not intended to list all the conditions and exclusions that apply to describe coverage’s. Complete provisions, exclusions and limitations are set out in policy wording booklets, declarations and other insurance documents. Reinhardt Insurance products and services are only available in California jurisdictions where they may be legally provided. The products and services described on this website may change without notice. To ensure you have the most current and complete information, or if you have any questions, please contact a Reinhardt Insurance professional.

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CONTACT US!

499 W. Shaw #130
Fresno, CA 93704
P: (559) 226-4700
F: (559) 226-2345

Walter R. Reinhardt Insurance Agency, Inc. is a BBB Accredited Insurance Company in Fresno, CA