At the Patrick J. Thomas Agency we understand that your insurance needs are unique and need to be tailored to your specific area of work. Our agents can help you design a policy exclusive to your situation focusing on your distinctive goals. We strive to advise our clients on what types of coverage's best fit their needs, their pocketbook as well as the requirements of their own customers.

Please note the terms of each policy can differ from insurer to insurer.

• Property and Liability Insurance
  Property insurance covers your physical assets: your building, equipment, furnishings, fixtures, inventory, computers, valuable papers, records, and more. But property insurance can also provide income if your business is forced to suspend operations after a covered loss. For example, if your building is destroyed or damaged in a fire, you may not only be covered for that property loss, you may also be able to collect income while you're regrouping.
  
  Business liability insurance is specifically designed to protect your business assets if your company is sued for something it did or even didn't do that resulted in bodily injury or property damage to someone else.
• Umbrella Insurance
  As its name implies, umbrella insurance extends your coverage beyond the limits of your basic business liability policy. Umbrella insurance is important because it provides additional limits over the basic policy. It's not expensive and in certain instances, it could literally save your business.
• Auto Insurance
  You wouldn't dream of driving your personal automobile without insurance. It's just as important to protect your company vehicles. Even if you have personal auto insurance, you still need commercial hired and non-auto insurance. That's because vehicles involved in an accident while engaged in company business may not be covered by your personal insurance. To make matters worse, you could be charged with misrepresentation if you've placed a vehicle you use for business purposes under your personal auto policy.
  
  There are a variety of coverages for your commercial automobile, we can help you choose the right limits. The discussion should include business-use autos, pickups, vans, trucks and non-owned and rented vehicles. You may also want to include coverage about "non-owned" vehicles-when employees use their own vehicles to run errands; and rented vehicles-when an employee travels and needs to rent a car.
• Workers Compensation
  This coverage provides lost wage replacement and also medical benefits for injuries without a deductible for an employee that was injured on the job.
• Professional Liability
  Protects against potential negligence claims. Also known as E & O (Errors and Omissions) It is a form of insurance that helps protect a professional from bearing the full cost of defending against a negligence claim made by a client as well as damages awarded in a lawsuit.
• Directors and Officers Liability
  Sometimes referred to as D & O. Provides liability coverage to the directors/officers of a company. It is a form of liability insurance to cover damages or defense costs in the event of a lawsuit as a result of alleged wrongful actions in their capacity as directors/officers.
• Errors and Omissions Insurance
  Protects against allegations of negligence claims your company failed to provide professional services resulting in a loss to your client. This coverage can help cover expenses like defense costs as well as possible settlements and judgments. Please note the terms of each policy can differ from insurer to insurer.
• ERISA
  Employee Retirement Income Security Act (ERISA) of 1974 provides coverage to plan participants in the event of a dishonest act of the plan trustee.
• Fidelity Bonds
  Provides coverage for the company from the dishonest acts of its employees.
• Employers Liability
  Provides an employer coverage for suits by its employees for amounts over and above the benefits paid for direct physical injury.