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Commerical Insurance

Each year companies are faced with challenges associated with insurance market volatility, changes in insurance legislation, loss frequency and operational issues that can impact business profitability. TCC ASSOCIATES has a strong, competent, experienced staff that can assist with these challenges.  By designing and implementing insurance programs to transfer and minimize risk we can help your company mitigate the impact to your bottom line.

As Independent Agents TCC ASSOCIATES represents many strong national and regional insurance companies.  In addition, we have access to wholesale brokers, London markets and international carriers as well.  We take pride in our relationships with these financially sound insurance companies and the ability it gives us to meet the needs of our clients with comprehensive and cost effective solutions.

Coverage Areas

Property

Insurance product that indemnifies the owner or user of property for its loss, or the loss of its income-producing ability, when the loss or damage is caused by a covered peril. Once known as fire insurance, now simply called property insurance: insurance on buildings and their contents.

General Liability

An insurance policy to protect against liability claims for bodily injury and property damage arising out of premises, operations, products, and completed operations; and advertising and personal injury liability.

Automobile / Truck

Insurance that protects against financial loss because of legal liability for automobile-related injuries to others or damage to their property by an auto. Coverage can include damage to the insured's own vehicle for perils such as collision, vandalism, fire, and theft. Auto is defined as any land motor vehicle, trailer, or semitrailer designed for travel on public roads; or any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged.

Workers Compensation

An insurance policy that provides coverage for an employer's two key exposures arising out of injuries sustained by employees. Part One of the policy covers the employer's statutory liabilities under workers compensation laws, and Part Two of the policy covers liability arising out of employees' work-related injuries

Umbrella / Excess Liability

A policy designed to provide protection against catastrophic losses. It is written over various primary liability policies, such as the business auto policy (BAP), commercial general liability (CGL) policy, watercraft and aircraft liability policies, and employer’s liability coverage. The umbrella policy serves three purposes: it provides excess limits when the limits of underlying liability policies are exhausted by the payment of claims; it drops down and picks up where the underlying policy leaves off when the aggregate limit of the underlying policy in question is exhausted by the payment of claims; and it provides protection against some claims not covered by the underlying policies, subject to the assumption by the named insured of a self-insured retention (SIR).

Crime

Garage & Garage Keepers

Professional / Malpractice / Errors & Omissions

Directors & Officers Liability

Cyber Liability

Bonds - Surety & Fidelity

Marine / Inland Marine

Employment Practices Liability

Business Owners / Building Owners

Contractors

Artisans

Windstorm

Flood

Glass

Personal Insurance

You work hard for a living. How best to protect from loss what has been acquired by your efforts? Let TCC Associates’ experienced professionals work with you to create a sound risk management solution.

Your home, condominium unit, vacation home, secondary residence, personal automobiles, motorcycles, recreational vehicles, boats, yachts, watercraft, jewelry, fine art, collectibles - to name a few - all have potential for loss.  Please let's not forget your financial wealth is also at risk for loss - this is often an area overlooked by many clients no matter their wealth.

By providing a wide variety of personal insurance coverages, TCC Associates can help ensure you have the protection you want, even though Life Happens.

We realize you have many choices when it comes to your personal insurance.  At TCC Associates, we have a sincere commitment to do what’s right for our customers.   Our goal is to be your insurance agent - for the long term - through life's happenings.

We would like to prove ourselves.

Coverage Areas

Homeowners

A "package" insurance policy providing property and liability coverages tailored to the needs of most home owners, condominium owners, and apartment tenants. Various versions are available depending on the type of dwelling insured and the scope of protection to be covered. Coverage can be tailored to the buyers needs or risk tolerance.

Windstorm

Flood

Automobile

An insurance policy insuring private-passenger-type autos owned by individuals. The policy may be structured to provide a combination of liability, personal injury protection (PIP), medical payments, uninsured and underinsured motorists (UM/UIM), and physical damage coverages.

Personal Umbrella

A policy to provide high limits of liability to protect an insured against a catastrophic liability loss. This policy grants liability coverage that stacks on top of the primary liability coverage provided by the insured's homeowners, personal auto, watercraft, and any other scheduled underlying liability policies. It covers bodily injury (BI), property damage (PD), and personal injury (PI), which includes offenses such as libel, slander, false arrest, invasion of privacy, and others. The umbrella policy also fills some gaps in coverage over a specified deductible (often called a retained limit) in the underlying policy.

Jewelry

Fine Art

Furs

Silverware

Boats / Yachts

Personal Watercraft

Motorcycles

Recreational Vehicles

Motorhomes

Private Client Products

If you need additional help, have further questions or comments, or to speak with a TCC Associate, please:

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