At First Underwriters’, we’ve been working with companies like Philadelphia 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.
Philadelphia’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 Philadelphia, the combined history and operation allow us to more effectively meet our clients challenges. Philadelphia has developed comprehensive products and continually offer specialized services to ensure great partnership.
Aside from Philadelphia’s diversified product offerings, they also offer the following tailored services:
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.
There are more than 100 insurers licensed in the US, each with its own specialty. We will match them with your specific needs and requirements.
We will help you identify your individual and/or business risks to help you decide what to insure, and how to manage those risks in other ways.
We will arrange the right insurer, negotiate the terms and place the policy on your behalf, all while making the most of your insurance budget.
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