Property and Casualty Insurance

Everyone faces risks in both business and personal life. How you evaluate and manage risk can have a critical impact on your financial security. We’re here to help you prevent future loss.

At Capitol Risk Solutions, we want to minimize your risk exposure to levels you can live with. The first step is to identify specific risks you may face regarding your business. We look at potential liabilities, from bodily injury or damage to others’ property to patent infringement or copyright violation. We examine your possible losses, whether to your property or source of income, from a range of unfortunate events, from a natural disaster to a lawsuit. Each class of business has separate and unique exposures that are subject to rapid change, so we constantly monitor business operations.  We want to understand your business. We want to know what is important to you!

In person, by phone, or through email, we undertake an in-depth review of your business and what you wish to insure. We will provide you with comprehensive strategies to mitigate the financial impact of any loss. Once we understand you and your situation, we develop recommendations to ensure the appropriate commercial coverage. Our proposals represent our depth of knowledge in the market, so that you receive the broadest coverage from the insurer best suited to meet your needs and your budget.

Business Property Insurance

Property insurance can help protect the property your business owns, leases or rents, including things like buildings, equipment, inventory, furniture and fixtures. It provides coverage for loss of accounts receivable and valuable papers and records.

Business Liability Insurance

When it comes to liability protection, the broader the coverage the better. The good news is that the standard General Liability policy is very broad. However, there are a number of special endorsements and coverage structure that you will not receive without the assistance of Capitol Risk Solutions. In the event you are sued for causing harm to a person and/or damage to property, you will be glad you made the right choice. Remember; General Liability also helps cover the cost of your defense – because businesses can be sued even if they did nothing wrong.

Workers' Compensation

Workers’ compensation provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. It also provides a deceased workers’ family with a financial benefit. If a workers’ family decides to sue a company, it can also help cover the related legal fees.

Business Auto

Commercial Auto Insurance helps your business cover the financial costs resulting from an auto accident if you or an employee is found at fault. Commercial auto insurance helps pay for damaged property and medical expenses – even in the event of a fatal accident.

Umbrella

Consider increasing your limits of liability coverage for traditional liability exposures and for automobile coverage. For most of our clients, automobile liability risk is the greatest source for a large future claim.

Inland Marine

What about your property that moves from location to location? You need inland marine coverage. Most property policies do not coverage your property if it is more than 1000 feet from an insured premises.
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