Motor Vehicle

• Auto Insurance
  Business Auto Insurance – Business owner’s policies do not typically cover a business owner’s vehicles. Business Auto Liability insurance is the minimum that one should have to cover a vehicle that is being operated for the business. Your personal auto policy provides coverage for some business use of your vehicle. Similarly, your employees’ personal auto policies cover some business use of their vehicles too. The amount of coverage in the business auto policy can be either deep or wide, depending on the options you choose. It could be written to apply only to one specifically described auto. Or, for broader coverage, the policy could be written to apply to the named insured’s liability exposures arising out of the use of any auto.

Property

• Home Insurance
  LBV Insurance can also provide for your personal insurance needs such as high-value home insurance and multi-auto policies.  Due to our combined experience in the industry, we are able to see the big picture for you and offer the most comprehensive protection and the best cost.

Business

• Business Insurance
  If you own a business this may mean creating a business insurance program that protects your business along with your personal assets.  Whether it is a commercial general liability policy or a professional liability policy, we will determine what level of protection best fits your business.
• Commercial Property Insurance
  Commercial Property Insurance – Commercial property insurance helps businesses, including farms and ranches, pay to repair or replace property that was damaged by a fire, storm, or other event covered by the policy. It also pays to replace stolen or lost property. Basic policies cover common perils like fires and storms whereas Broad Policies can cover common perils, as well as things like water damage; structural collapse; sprinkler leakage; and damage caused by ice, sleet, or weight of snow.  Special policies cover all types of events except those the policy specifically excludes. Typical exclusions include damages from flood, earth movement, war, terrorism, nuclear disaster, wear and tear, and insects and vermin.
• Workers Compensation Insurance
  Workers Compensation Insurance – Workers’ compensation insurance is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue his or her employer for the tort of negligence.
• Commercial Liability Insurance
  Commercial Package Policy -if your company is growing in size and complexity—or you face specialized risks due to the nature of your business—you may want to consider purchasing a Commercial Package Policy.  Commercial Package Policies are available for a wide range of businesses, and can be better customized to the specific needs of your business.  Commercial Package Policies are available for a wide range of businesses, and can be better customized to the specific needs of your business.  Policies can include the following  products:  Property insurance, general liability insurance, business income insurance, business vehicle insurance, business crime insurance, commercial umbrella liability, electronic data processing insurance, equipment breakdown insurance, employment practices liability, and but not limited to pollution liability.
• Professional Liability Insurance
  Professional Liability Insurance – Professional liability insurance may take on different forms and names depending on the profession. For example, in reference to medical professions it is called malpractice insurance, while errors and omissions (E&O) insurance is used by insurance agents, consultants, brokers and lawyers. Other professions that commonly purchase professional liability insurance include accounting, engineering and financial services, construction and maintenance (general contractors, plumbers, etc., many of whom are also surety bonded), and transport. Some charities and other nonprofits/NGOs are also professional-liability insured.
• Builders Risk Insurance
  Builders Risk Insurance -is insurance coverage that protects a contractor, person or business’s insurable assets in materials, fixtures and/or equipment being used in the construction or renovation of a building or structure should those assets sustain physical loss or damage from an incident that is covered by the policy.

Personal

• Liability Insurance
  Commercial General Liability -A general liability insurance policy provides financial protection from the risks that any business owner might incur. A standard insurance policy issued to business organizations to protect them against liability claims for bodily injury and property damage arising on the premises, during operations, on products, and completed operations.  Also includes personal and advertising injury.