Bonds
Business Auto
Crime
Environmental Liability
General Liability
Internet Liability
Jewelers' Block
Marine Coverage
Professional Liability
Property Coverage
Umbrella & Excess Liability
Workers' Compensation

Property coverage
Consequential loss or damage
Electronic data processing equipment and software
Furniture & fixtures
Improvements & Betterments
Inventory
Loss as the result of enforcement of a building code
Off-premises power interruption
Personal property in transit
Real property
Valuable papers, books & records

Included in the property coverage category is Business Interruption protection such as:
Business Income
Extra Expense
Rental Income

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Crime
Crime insurance addresses the most common fidelity threats, such as employee dishonesty, credit card forgery, computer fraud and theft.

Fact: The cost of employee dishonesty to U.S. employers is more than $600 billion each year.

Here are some examples of how the cost of fraud eats into your profits:

Accounts payable fraud involving fictitious vendors
Purchasing schemes involving kickbacks
Payroll and check fraud
Inventory theft

All of the above can be accomplished easier and more quickly than ever before as the result of expansion in the use of computers. The TSG staff has the expertise to show you how best to protect your business against these potential financial losses by providing a variety of options at reasonable cost.

Marine Coverage
TSG can cover your business property virtually anywhere in the world, including while in transit by air, sea or land carriers. Our underwriting expertise and claims-handling approaches provide a smooth, convenient approach to your marine insurance needs.

Marine coverage may include:

“World to World” insurance (except where prohibited)
Warehouse to warehouse coverage
Customized valuation clauses to meet your specialized business requirements
Protection for temporary storage of your goods
Coverage for refused shipments
Shortages discovered from containerized shipments
Automatic coverage for concealed damages
Consolidation/Deconsolidation provisions

The globalization of business, together with changing regulatory and legal environments, has changed the transportation industry in recent years. In today’s economy you cannot afford gaps in protection. Our experienced staff understands the risks you face and makes sure you have the coverage you need, whether you are importing or exporting, around the world.

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Jewelers' Block
The specialized coverage for those in the jewelry business that is provided by a Jewelers' Block policy can be difficult to identify and obtain. The jewelry industry has its own language and customs. Knowing these can be invaluable when dealing with clients in the jewelry industry. With more than 25 years of experience writing this business, we totally understand the environment. Whether coverage is for a manufacturer, wholesaler or retail risk, we at TSG can provide the expertise needed to ensure proper coverage is obtained at the best pricing available.

We have the knowledge and understanding of the security and insurance coverage issues that are of concern to jewelry businesses. We can offer advice and suggest ways to protect people and property. Our Company partners also offer extensive safety training aids.

We offer the broadest terms with the most competitive pricing on the following classes of jewelry business:

Retail
Wholesale
Manufacturing
Bench Jewelers
Trade Craftsman

As General Agents for Jewelers Mutual we are able to offer competitive commissions to client's brokers for business placed with us.

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General Liability
General Liability includes coverage for your liability due to bodily injury and property damage to others resulting from either conditions on your premises, your work, your products or completed operations. It also includes coverage for personal injury or advertising injury sustained by others and arising out of your business operations. Your policy will cover the cost of both defending and settling a claim made against you even if the claim is false or fraudulent.

Personal injury covers damages to others for acts such as libel, slander, invasion of privacy, wrongful entry or eviction, false arrest and malicious prosecution.

Advertising injury refers to damages to others sustained as a result of the use of someone else’s advertising idea in your advertising (print, broadcast or web-site publication) as well as infringement of another’s copyright, trademark or slogan.

Your business faces liability exposures every day. Whether you own a building, manufacture, distribute, sell a product or provide a service, claims against you can arise resulting in spending many hours of your time and many dollars of your assets being exposed to loss.

At TSG, we identify your exposures and attempt to have them eliminated or transferred to others. For those exposures that cannot be minimized by elimination or transference, we design your liability protection to address your specific needs. We seek out insurers that will provide broad coverage terms at competitive rates.

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Internet Liability
Any organization operating a Web site or conducting e-business needs protection from an invading army of exposures, such as e-theft, destruction of critical data, defamation, libel, copyright or trademark infringement, e-vandalism, e-threats, denial of service, and more.

Any company operating a Web site can be sued for an expanding array of emerging liability exposures, such as libel and copyright or trademark infringement, as well as e-commerce exposures. These evolve and become more complex—which could be potentially devastating to a company’s bottom line. Appropriate internet liability coverage specifically helps privately owned companies manage these exposures.

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Workers' Compensation
State laws require most employers to carry Workers’ Compensation. In many cases, employers find that the cost for providing this coverage ends up as the largest part of their insurance budget.

Our commercial staff provides a variety of vehicles beyond the standard Workers’ Compensation policy that can offer significant premium savings such as:

Dividend or Participating Plans
Safety Group Participation
Self-Insured Retention or Deductible Programs
Retrospective Rating Plans

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Umbrella & Excess Liability
An Umbrella or Excess Liability policy is a crucial component of an insurance program, providing liability protection above a firm’s primary liability policies including:

General Liability
Products Liability & Completed Operations
Auto Liability
Watercraft/Aircraft Liability
Employers Liability

Working with our carriers, with whom we have developed close relationships, we have arranged coverage in layers with various financially sound insurers in a cost efficient manner, while keeping coverage concurrent.

In many cases, we have the ability to provide Excess Follow Form (Coverage A) along with Umbrella Liability (Coverage B).

Coverage A provides increased liability limits by having the excess carrier adopt the provisions of your scheduled primary policies.

Coverage B offers broadened protection to help eliminate or close any gaps in your primary insurance program. In essence, it offers protection when no underlying insurance applies.

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Professional Liability
Accountant's Professional Liability

Attorney's Professional Liability

Hospital Professional Liability

Medical Professional Liability

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Business Auto
Being a full-service agency, The Signature Group has access to financially sound insurers writing commercial auto insurance…..Whether you maintain a fleet of 1,000 vehicles or just one truck, pickup or private passenger company owned auto, we can tailor a program for you that will provide broad coverage as well as minimize your premium outlay through effective loss control and upfront premium discounts.

In addition, we can provide you with abstracts of driving records for your currently employed drivers as well as prospective ones. It makes good business sense to be sure that the people you hire as drivers have and maintain good driving records.

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Bonds
Bonds are divided into two categories – Surety and Fidelity. While bonds and insurance satisfy a similar need, to provide protection against an unforeseen loss, bonds are different in almost every other way.

Surety: While a typical insurance contract involves two parties, the insurer and the insured, surety bonds are three way contracts. The parties:

Principal – Generally the party assuming an obligation
Surety – The company actually issuing the bond, guaranteeing, along with the principal, the obligation
Obligee – The party to whom the guarantee is made

There are different types of surety bonds:

Court or Judicial Bonds
License & Permit Bonds
Bid, Performance & Payment Bonds
Supply Bonds

Fidelity: This type of bond guarantees that an employer will be indemnified for property damage caused by an employee for committing a crime such as embezzlement, fraud or theft of the company’s (employer’s) assets or assets for which the company is responsible. Companies that have employees who are entrusted with handling cash, inventory or other valuable assets should maintain a fidelity bond.

Fidelity bonds can be written either on a “blanket” basis or a “specific” basis. The blanket form covers groups of employees (either by positions or by class) where the “specific” form covers only named individuals or ones in key positions.

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Environmental Liability
In today’s society, environmental issues affect almost every segment of our lives. In the business world, companies must consider the effects of industrial accidents causing pollution of air, ground and water supplies. The number of parties being held responsible for contaminating or polluting our environment has grown exponentially. It can include not only manufacturers, but lending institutions, property owners and other business owners.

Along with the carriers we represent, The Signature Group can develop tailored insurance programs to meet a variety of environmental insurance needs.

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