Speciality Insurance

COMMERCIAL

Receive broad coverage that includes protection for theft of building materials, employee tools, and employee theft of customer property. This is the right insurance for artisans in such trades as plumbing, dry walling, carpentry, HVAC, and electric work.

DETECTIVES & SECURITY GUARDS

Count on protection tailored to your needs. We offer such key benefits to detectives and security guards as coverage for re-keying or replacing locks if your business loses a client’s key and reimbursement for necessary expenses to respond to crisis events like arson or a hostage situation.

GOLF COURSES & COUNTRY CLUBS

Our coverage for golf courses and country clubs is designed to offer proper protection for your golf course – whether it’s a private, semi-private, or daily fee golf facility. We offer golf-specific coverages – like golf ball property damage, golf cart and grounds maintenance equipment, and sprinkler system coverages – so you can operate with fewer worries from the tee box to the pro shop.

HUMAN SERVICES & NON-PROFIT ORGANIZATIONS

We provide insurance for a wide variety of individual and family services, such as counseling, transitional housing, food pantries, aging and youth services, and home health care. Features include partial reimbursement for relocation expenses if your primary location is unsuitable for use after damage, for business equipment or stolen records, and for pledged donations that are not collectable due to bankruptcy or unemployment of the donor. Other important features include abduction expense, and abuse and molestation coverage.

OFFICES

Perfect for metal works, machine shops, furniture manufacturers, and more, our manufacturer product provides insurance protection for critical assets, such as dies, patterns, and molds. It also covers expenses incurred from a patent infringement suit.

RESTAURANTS

We designed our restaurant product to be ideal for family-style and fine-dining restaurants. It automatically adjusts for changing seasonal needs, ensuring proper coverage year round. It also covers spoilage, a common threat to this industry.

RETAIL

Receive enhanced protection that automatically adjusts to changing seasonal needs so you have proper protection year round. If yours is a locally owned store or small local chain selling finished goods, this insurance product could be perfect for you.

SECURITY SYSTEMS AND PROTECTION

Receive unique coverage if you specialize in burglar or fire alarm installation, service and repair, alarm monitoring, controlled access installation and service, vehicle alarms installation, and other similar businesses. Key benefits include errors and omissions coverage, liability coverage for damage to your product, work, or impaired property, and coverage for your tools and equipment.

SPECIAL EVENTS

Perfect for special events of any size, seasonal business, and contests, this product protects you from setup to takedown. Receive coverage for personal property and trailers used for an event and for crisis response.

SPORTS AND RECREATION

This unique protection extends to sports teams, leagues, tournaments, camps, and clubs, along with recreational pursuits such as health and exercise clubs, paintball, amusement rental of inflatable devices, ice skating, hunting and fishing guides, hunt clubs, and archery and shooting ranges. Some important features are abuse and molestation liability coverage, excess medical payments for participants, and participant liability coverage. Get an insurance quote for your business.

Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Okray-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.