atmdinsurance.com

Allred-Thompson-Mason-Daugherty offers a full range of business

insurance
products for businesses of all sizes. Our customer base ranges from small
retail and construction accounts to corporations with international exposures.

Our product offerings include the following:

• Property Coverages

Commercial Property – insures against damage to your buildings and business personal property

Equipment Floaters – provides coverage for your tools and equipment

Builders Risk – covers property during the course of construction

Flood – insures against rising waters

Business Income – allows for the recovery of your loss of income resulting
from an insured loss.

• Liability Coverages

General Liability - Coverage for Bodily Injury or Property Damage arising out of your work or business.

Employment Related Practices – Protects against allegations of discrimination and/or sexual harassment.

Umbrella/Excess –Provides additional limits of liability above your standard policy.

Product Liability – Coverage for damage caused by your work or product.

Directors & Officers – Protects board members for policy and financial decisions

Professional Liability – Coverage for your professional actions and decisions.

• Automobile Coverages

Liability – Bodily Injury and Property Damage for accidents which are your fault.

Physical Damage – Damage to your vehicles

Uninsured/Underinsured Motorists – Allows you to recover for accidents caused by people with no insurance, or low limits of liability.

Personal Injury Protection – Personal Injury Protection (PIP) is an endorsement that adds no-fault benefits. no-Fault means that in the event of an automobile accident, each party collects from his or her own insurer regardless of fault. The PIP endorsement is only available in certain states with No-Fault Laws. The endorsement applies only to bodily injury and not to property damage. (The state of Michigan is the exception to property damage.) No-Fault Laws vary widely from state to state.

• Injury To Your Employees

Workers Compensation – Provides state benefits for employees injured on the job

Occupational Accident – An alternative to Workers Compensation which provides medical and loss of income up to
set limits in the policy. This does not relieve your responsibility under the Workers Compensation law.

• Bonds

Construction – Guarantees your performance under a contract

Notary – Required of all notaries

Court Bonds – Various types required by a court of law

Surety Bonds - A three-party agreement providing for monetary compensation or satisfactory completion of an
obligation by the surety should there be a failure to perform specified acts within a stated period of time.

Fidelity Bonds - Indemnifies the insured for loss caused by dishonest or fraudulent acts of its employees. Also
known as Dishonesty Insurance or Crime Coverage.

• Special Coverages

Farm and Ranch – Property and Liability for the farmer or rancher

In Home Businesses – Liability protection for businesses operated from your residence

Small Business Owners – Property and Liability for eligible small businesses

For more information, Contact Us