Commercial Insurance

 

Commercial 

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Haughn & Associates, Inc. began as a specialist in the construction industry providing multiple insurance services and products to contractors and their suppliers. Over the years we have expanded our expertise to service many other types of businesses and niche markets. We pride ourselves in creatively meeting unique insurance needs, better than our competition, through the use of various innovative risk management techniques.

Our Commercial department is staffed by experienced and licensed personnel who have dedicated their careers to minimizing the exposures of our construction clients through the use of available insurance products.

We have taken care in our selection of markets, considering only those with a solid financial background, and responsive value-added claim service. Our carriers all maintain an A.M. Best Key Rating of (A) or better.

Because of the diversity in size and type of accounts we service we can design an insurance program specific to your needs. We will provide you with every available insurance option and recommend the one that will be the most beneficial to you.

Please contact us for a free, no obligation, analysis of your current insurance program or for a new program that will protect your business against unforeseen events.

 

Workers' Compensation

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Workers’ Compensation Insurance protects the most important asset of a business -  its employees – from the medical expenses of on the job injuries and the loss of income while unable to work as a result of such injuries.  Likewise it protects the employer from being “out of pocket” for such expenses and forestalls the cost and delays of litigation to determine “fault”.

Workers’ Compensation is governed by the laws of each state , all of which require – in varying degrees – that (a) an employer provide Workers’ Compensation Coverage for any of his employees within that jurisdiction, and (b) that any employee suffering a work related injury is entitled to the benefits of that jurisdiction.

Our broad Workers’ Compensation experience and access to markets can help guide you past the pitfalls of a confusing – and potentially costly – body of laws & regulations.

 

Specialty Coverage

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Our agency team will counsel you and your company officers on a wide variety of coverage that, if properly put into place, will limit and protect the business from various types of work site litigation, allegations of error, as well as protecting the business from criminal activity that can, and unfortunately does, occur inside of a business. We work with national and regional insurance companies that specialize in providing coverage for various types of executive liability and bring a wide array of claims and legal expertise that can be put to use for you should the need arise.

Some of our product offerings include the following:

  • Employment Practices Liability
  • Errors and Omissions Liability
  • Crime and Fidelity Coverage
  • Fiduciary Liability