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Once an insurance consultant has earned a client's trust, they become much more than a broker, they become a friend to depend on, a part of the family.

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Commercial Insurance Products and Services

Boyle, Flagg & Seaman offers a full line of commercial insurance coverage, including:

General Liability
This coverage protects your business from claims arising from alleged bodily injury, personal injury or property damage liability. It includes protections for services you render or products you sell. Coverage payments can include judgments, attorney fees, court costs, or other related expenses.
Buildings and Personal Property
This coverage protects buildings and personal property. In addition to direct loss or damage to your property, it also covers time element/Indirect loss to your property. Several types of coverages have been developed to address these indirect loss exposures.
Garage
This policy provides coverage for liability, medical payments, and physical damage for owned and non-owned vehicles. Additional coverages can be purchased to customize the policy to fit the particular needs of your business.
Automobile
This policy can provide a combination of liability protection and physical damage coverage for loss due to damage to vehicles owned, maintained, or used by you. Additional coverages such as medical payments and uninsured motorist protection can be purchased to "customize" the policy to fit your business.
Business Owners Package Policy
Referred to as BOP for short, is a combination of liability and property insurance. It is designed to save the small to medium-sized business owner money when compared to buying policies separately.
Fidelity/Surety Bonds
Protection provided by a bond is not insurance. Coverage under an insurance policy involves a two-party agreement whereas in a bond, the person who pays the premium, known as a principal, is bonded for an action by a surety for the benefit of a third party commonly called a beneficiary. Bonds are distinguished between Surety bonds, which guarantee the performance of a contract, or Fidelity Bonds, which protect against the dishonesty of employees.
Commercial Umbrella
This Insurance is used to provide excess protection over your primary liability policies.
Employee benefits
The topic of employee benefits can be quite complex in today's business environment. Employers are always looking to "cut corners" to save premium dollars, but at the same time preserve a quality group insurance program for employees and their dependents. A daunting task at best. At BF&S, we will evaluate the current market conditions, sort through the carrier clutter, and determine the most reasonable course of action. There are many variables affecting your benefits package, and you need professionals to help you sort through the "benefits minefield." We look forward to your call.