The Adrian N. Baker & Company offers a full range of commercial property and casualty coverages. The following highlights some of the coverages that we provide to our clients.

Automobile
A broad range of insurance pertaining to the ownership, maintenance, or use of automobiles.

Boiler & Machinery
Protection against loss from disruption of boilers and machinery by an insured peril:
loss to the boiler and machinery itself, damage to other property, business interruption losses, or all three. Also known as machinery breakdown insurance.

Commercial Property
Insurance for your real and personal property against physical loss or damage. Our goal is to keep your business in business.

Crime
This policy is used to encompass the variety of crime coverage forms available to protect against losses of money, securities and property by such causes of loss as: employee dishonesty, forgery, theft, burglary, robbery, kidnap, extortion, and fraud. Coverage can be included for Pension and Welfare Fiduciary Dishonesty which fulfills ERISA bonding requirements.

Directors & Officers Liability
Protects officers and directors of a corporation against damages from claims resulting from negligent or wrongful acts in the course of their duties. Also covers the corporation (and even the officers and directors in some cases) for expenses incurred in defending lawsuits arising from alleged wrongful acts of officers or directors. These claims can come from shareholders, employees, creditors, customers, competitors, regulators, etc.

Employment Practices Liability
Impetus for this coverage started with public interest in the allegations made by Anita Hill during the confirmation hearings of Supreme Court Justice Clarence Thomas. Changes in federal and state laws, such as the Americans with Disabilities Act and the Civil Rights Act of 1991, resulted in increased consumer awareness of sexual harassment and discrimination in the workplace. Coverage is available for legal costs to defend claims involving sexual harassment, wrongful termination and discrimination including legal liability for such acts. The coverage is known by various titles. Employment-related practices liability, management risk protection, and employers E&O but basically all offer the same coverage. Most policies provide limits ranging from as low as $25,000 per claim up to $1 million. Policies may cover employees as additional insureds.

Errors & Omissions Liability
A form of professional liability insurance which provides coverage for mistakes made by a person or persons in a profession not involved with the human body, such as lawyers, architects, engineers, or for mistakes made in a service business, such as insurance, real estate, and others. We can tailor specific policies to your needs.

General Liability
A form of insurance sold to businesses to indemnify the business for third party liability claims due to negligence. Coverages can include premises and operations liability for onsite and jobsite accidents and products liability claims for products that injure third parties. Depending on an organization's needs, various coverage extensions are available.

Inland Marine & Ocean Marine
The insurance of property (generally on an "all_risk" basis) which is mobile or off-premises property. These coverages provide expanded perils not commonly found in standard property contracts.

Specialty
Liquor liability, pollution insurance, and garage liability are just some of the specialty policies that we offer.

Umbrella/Excess Liability
A form of liability insurance protecting policyholders for claims in excess of the limits of their primary automobile, general liability and workers compensation policies, and for some (few) claims excluded by their primary policies which are subject to a deductible, which may range from $250 for a personal umbrella to a minimum of $10,000 for a commercial umbrella

Workers Compensation
Protection which provides benefits to employees for any injury or contracted disease arising out of and in the course of employment. All states have laws which require such protection for workers and prescribe the length and amount of such benefits provided. Special programs can be tailored to your needs such as self-insurance, large deductible, self-insured groups, etc.