Fowlkes  McPherson Insurance

Commercial Property and Casualty Insurance

Commercial Lines Insurance

We put your needs first. At Fowlkes McPherson we believe in creating long- term relationships with our clients and our goal is to manage your commercial insurance needs as a priority. With years of combined experience in the property and casualty insurance industry we have developed strategic partnerships with numerous insurance carriers, enabling us to do the legwork by shopping the market for the insurance company best suited to your business needs. The bottom line is our focus is on you. We will always try to address your questions and concerns quickly and accurately, returning calls the same day whenever possible. Our service doesn’t end once a policy is purchased. We will be here to assist you throughout the life of your policy, making changes to your coverage or issuing certificates and proof of insurance documents when needed. When it’s time to renew, we will be here making sure that happens. At Fowlkes McPherson we understand that only through our hard work and integrity can we maintain the trust of our clients. Lines of Coverage/Products offered • Commercial General Liability - Commercial general liability insurance is a comprehensive policy that companies buy to protect themselves in case of a debilitating event. This policy covers claims of damage and injury caused by the insured during the course of business. This insurance covers four categories: bodily injury, personal injury (which includes libel or slander), property damage, and advertising injury. • Professional Liability – This is a form of liability insurance that helps protect professional advice- and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit. The coverage focuses on alleged failure to perform on the part of, financial loss caused by, and error or omission in the service or product sold by the policyholder. • Commercial Auto Insurance - Commercial auto insurance is a vehicle insurance policy that provides financial protection for a business' vehicles and its drivers. Employees involved in on-the-job collisions will receive coverage for medical injuries as well, regardless of fault. • Commercial Property – This coverage protects commercial property from such perils as fire, theft and natural disaster. This type of insurance is carried by a variety of businesses, including manufacturers, retailers, service- oriented businesses and not-for-profit organizations. • Workers’ Compensation - is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence. • Directors and Officers Liability - (often called D&O) is liability insurance payable to the directors and officers of a company, or to the organization(s) itself, as indemnification (reimbursement) for losses or advancement of defense costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers. • Employers Liability - insurance against loss an employer may suffer from his common-law liability for injury to an employee excluding liability imposed by a workmen's compensation act. • Bonds -  We write all types of bonds. Notary, Dishonesty, Fidelity, Contractors bond. • Business Owners Policy or BOP - Insurance policies that combine protection from all major property and liability risks in one package. A Business Owner Policy or BOP is an insurance package that assembles the basic coverages required by a business owner in one bundle. A typical business owner policy includes: property insurance, business interruption insurance, crime insurance, vehicle coverage, liability insurance and flood insurance.