Insurance

HH Underwriters of Louisville is backed by our staff’s extensive years of servicing the property insurance industry. We have intimate knowledge of Homeowner Associations, Condo Associations, and understand that commercial property owners and commercial property managers face liability exposures unlike most other industries. Our business property insurance staff is here to guide you through the coverages and options available to your and your commercial property and have relationships with the insurance companies necessary to provide you with a unique program to cover all of your commercial property exposures.

Commercial general liability coverage is designed to insure against bodily injury and property damage liability exposures of a variety of commercial businesses. HH Underwriters of Louisville KY will help assess your liability risks and provide a comprehensive insurance program to protect your business. Additionally, with an umbrella liability policy in place, this will reduce your concerns about valuable business assets and/or future income depletion to cover catastrophic liability claims. An umbrella liability policy supplements your existing commercial insurance policy’s general liability, auto liability and employer’s liability limits.

If your business or company uses a few vehicles, or hundreds of vehicles for your employees, operating your business without the proper comprehensive auto and fleet coverage is impossible. HH Underwriters of Louisville KY has the automobile insurance coverage options designed to protect your entire fleet, as well as your business.

Workers' compensation insurance 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. The tradeoff between assured, limited coverage and lack of recourse outside the worker compensation system is known as "the compensation bargain". Our workers' compensation insurance staff works to assist employers in establishing a process that reduces cost and improves productivity, often guiding employers in the hiring process where many workers' compensation issues begin. In addition, we work closely with employers to prevent the causes of injuries and help establish beneficial medical relationships.

Inland marine insurance indemnifies loss to moving or movable property and is an outgrowth of ocean marine insurance. Historically, ocean marine insurance held the transporter responsible for property loss before, during, and after the completion of the voyage. Despite the word marine, most inland marine coverage's are for property on land, with property transported by water insured under ocean marine. Let HH Underwriters consult with your business to ensure your inland marine insurance coverage's are adequate and comprehensive.

Our seasoned staff is familiar with the unique exposures faced by contractors and the various insurance products that exist to deal with that risk. We are committed to providing outstanding customer service utilizing our vast knowledge and expertise to solve any construction insurance problem. After we fully assess your company’s operations and risk exposures, we will customize a comprehensive insurance program that will protect your business in the most efficient and cost effective manner.

Employee dishonesty insurance coverage, sometimes referred to as fidelity bond, crime coverage, or crime fidelity insurance, is a type of business insurance that protects a small business employer from a financial loss as a result of fraudulent acts conducted by an employee or group of employees. The financial loss can be caused by an employee’s theft of property, money, or securities owned by the small business. Stand-alone employee dishonesty insurance coverage policies are designed to cover forgery, alteration, unauthorized electronic funds transfers, credit card fraud, computer fraud, money order fraud, and counterfeit fraud. These business insurance crime coverage policies not only protect the small business owner, but employees defined in the policy, such as current or former employees, trustees, members, partners, directors, temporary employees, and seasonal employees may also be protected. Contact HH Underwriters of Louisville KY today for more information on protecting your business