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At First Underwriters’, we’ve been working with companies like Chubb Insurance Company who for over a century has dedicated itself to the financial services industries in order to serve as a strategic partner to our insureds.

Chubb’s experience in the industry allows us to understand and recognize our client’s short and long-term challenges that influence business decisions and insurance needs.

Bolstered by our affiliation with Chubb, the combined history and operation allow us to more effectively meet our clients challenges. Chubb has developed comprehensive products and continually offer specialized services to ensure great partnership.

Aside from Chubbs’s diversified product offerings, they also offer the following tailored services:

  • Personal Relationships with Business Development Representatives
  • Industry Specific Risk Management
  • Experienced Claims Handling
  • Renowned Customer Service
  • Convenient Financial Products and Payment Options

Insurance exists for the purpose of protecting persons and organizations from the adverse financial consequences of certain unpredictable events, regardless of the coverage line being considered. For general liability insurance, the unpredictable event that constitutes the subject of the insurance is a claim of legal liability arising out of a company’s operations, premises, products, and completed work.

Umbrella liability insurance and excess liability insurance are two forms of secondary coverage—that is, they both sit above one or more underlying liability policies and do not attach until the underlying policy’s limit of insurance has been exhausted.

The Commercial Auto policy will pay “sums” for which the insured is legally liable because of bodily injury or property damage to which the insurance applies. Therefore, while covered bodily injury or property damage is required to trigger coverage, recovery under the policy can actually go beyond these types of damages.

Employee Benefits Liability insurance provides coverage to an employer for errors or omissions in the employer’s administration of its employee benefit program.

The Employee Benefits Liability coverage would pay for the benefits that would have been payable under the health insurance plan but for the employer’s error.

Commercial property  is the policy that an organization purchases to pay for damage to its own buildings and the personal property in them. A commercial property policy can also cover loss of income or increase in expenses that result from insured damage to buildings and their contents.

A business income coverage form is an extension of the commercial property type policy which funds a company’s loss of income due to a slowdown or temporary suspension of normal operations which stem from damage to its physical property. Coverage typically includes the loss of income but excludes ordinary operating expenses. 

Crime and Fidelity Insurance protects the actual money you have in the operating account and reserve accounts. Crime and Fidelity Insurance protects the money from embezzling, check fraud, invoice padding or false invoices, computer fraud and wire fraud.

Your accounting firm may store employee and customer data, like social security numbers, credit and debit card numbers, and contact information. If any of this information gets lost or stolen, data breach coverage can help pay the costs to:
 
  • Notify impacted individuals
  • Manage public relations
  • Deliver good faith advertising
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Frequently Asked Insurance Questions

Currently, insurance carriers are fairly lenient on policy lapses. It is generally a good idea to keep your construction insurance policy and bond in force. 

If you have a lapse in coverage and are having trouble finding coverage, one of our construction insurance specialists will do everything to get you insured.

Call (425) 242-5357

First Underwriters Construction insurance specialists will shop our network of over 100 admitted insurance carriers and find the lowest down payment and monthly payments.

Call (425) 242-5357

If you've been declined elsewhere for prior losses, First Underwriters Construction Insurance Specialists will find a carrier  that will meet your insurance requirements and get you back to work.

Call (425) 242-5357

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(888) 588-7347

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