Property & Casualty Insurance
Pinellas Park, Tampa

Your business may incur direct damage to property, suffer a business interruption, or be found legally responsible for injury or damages to another party.

Whether you seek to cover damages to company assets or liability resulting from your operations, we will help you identify exposures and address risk solutions. Our coverage is customized to fit the unique needs of businesses in the communication and technology sectors. Our advisory team will provide insight to help customize your insurance and risk management programs according to your business exposures and operational obligations.

Protect your property

Our property and casualty coverage is a broad policy that covers personal property, business property and liability coverage for different risks your communication or technology company faces. Property and Casualty coverage is essential for every communication or technology business. Here's one instance where a Property and Casualty insurance policy would be beneficial: Your company sends technicians to install new servers and systems. They accidentally knock over a valuable item, such as art, a computer, or other physical items. Your company could get sued for all the damages caused by your technicians. In this case, your insurance coverage will pay for the damages caused to another party’s property. We will help you understand what each policy covers and what is excluded.

Cover your risks

There are several other scenarios, ranging from natural disaster, accident or theft that can cause a loss to a business. The casualty part mainly covers bodily injury and personal injury to another party arising from a company’s operations, products or services. We will help you examine all risks and scenarios that might result in casualties to ensure you are adequately covered for all foreseeable risks. It is not essential to cover all loss exposures; only those that pose a threat to your business continuity in case of an incident. However, it is still essential to know all the potential threats to help you create a risk management plan.

Frequently Asked Questions

• Do truckers need general liability insurance? 

  General liability insurance is different from trucking liability insurance. They sound similar but cover very different things. You don't need it like you need trucking insurance, but it's still very beneficial coverage to have.  With general liability insurance, you cover things associated with business, not trucking or transportation themselves. A couple of these coverages include: 

  • Bodily injury and property damage that occurs due to a covered incident. 
  • Personal or advertising injury. 
• What does trucking insurance cover? 

  Every trucking insurance policy is a little different from the rest based on your or your company's needs. That said, there are several common coverages you can include when building your trucking liability insurance policy.

• How much does trucking insurance cost? 

  Your commercial trucking insurance premium can vary a lot from someone else's, even if you're in similar situations or have similar policies. Some factors that affect premiums include:

  • The type(s) of vehicles you're insuring.
  • How far vehicles are traveling per year.
  • Types of cargo. Drivers' driving records.
  • The location of your center of operations.
  • Standard operating radius.
  • How you store the vehicle(s).
  • Amount of coverage you opt for.

  As commercial trucking insurance professionals, we strive to know you and your worries. We spend time listening and learning to serve you better and help you find solutions. You've worked hard to build and promote your trucking operation. The next step is to protect it. We'll assess your risks and help you tailor an insurance policy. We'd love to chat with you. Contact ARCW Insurance today!

• Not sure which of these coverages is right for your construction firm?

  Our staff provides accurate and timely delivery of certificates of insurance. We also provide assistance and reviews of certificates and risk transfers. With our understanding of the design and administration of wrap-ups, we can help contractors navigate the construction defect litigation landscape. Our tailored risk management solutions enable contractors to respond to market fluctuations and better predict future costs.

• Who needs construction insurance?

  If you're in a construction business you should always have commercial insurance. Many businesses are required by their clients to carry specific coverages before they can work for them. Businesses involved in construction work often specialize in trades like:

  • Excavation
  • Home Improvement
  • Land Clearing
  • Remodeling
  • Home Building
  • Asphalt Laying
  • Welding
  • Fence & Deck Building
  • Concrete Laying
  • Stone & Granite Work
  • Roofing