Motor Vehicle

• Auto Insurance
  We refer to this type of operation as a stagecrafter, audio and lighting engineer, and live event producer just to name a few. The program our agency provides for rigging operations can be tailored to your specific needs. This type of entertainment related insurance provides coverage for failing to properly secure audio or lighting equipment, causing injury due to sound system collapses, and many other causes of bodily injury and property damage. Coverage is usually purchased on an annual basis and can include a multitude of different coverages including liability coverage, property coverage, automobile insurance, and rented and owned equipment insurance just to name a few.
• Inland Marine Insurance
• Truck Insurance

Property

• Home Insurance
  In almost all cases, the HO-5 Home Insurance Policies will provide the best level of protection for the homeowner.
• Landlord Insurance
  Kind of like the lessor’s risk of personal lines insurance. There are many terms that describe a non-owner occupied residential structure: Dwelling Fire Insurance – Landlord Insurance – Fire Insurance – Rental Property Insurance – Non Owner Occupied. Whatever the term may be, it is important that you can distinguish the difference between a home insurance policy and a policy that has the insurance location not occupied by the policyholder. Loss of Rents coverage is just one of the many reasons why getting the correct policy for your residential structure is so important. Give us a call today, or tomorrow.  If you are interested in learning more about vacant home insurance...

Health and Life

• Life Insurance
  Similar to Key Person life insurance for business planning, Essential Element coverage helps provide 1st party property coverage in the event a ‘key’ person is no longer able to provide the services once agreed upon. Essential Element based Cast Insurance will (if the terms are spelled out correctly in the policy) allow the insured to completely halt and terminate the production in its entirety in the event the ‘key person’ or ‘essential person/element’ becomes incapacitated. Film financing can at times be contingent on a key person or actress/actor, in those times insurance such as Essential Element Cast Coverage would be suggested.
• Health Insurance
  At least 1% if that officer’s or member’s parent, grandparent, sibling, spouse, or child owns at least 10% and that officer or member is covered by a health insurance policy or a health care service plan. Exceptions exist for professional corporations (an owner of a professional corporation if the owner is: (1) a practitioner of the professional services for which the professional corporation was created and (2) covered by a health insurance policy or a health service plan), coorperative corporations (an officer or member of the board of directors of a cooperative corporation if covered by (1) a health Insurance policy or health care service plan and (2) a disability insurance policy that is comparable to workers comp coverage as determined by the Insurance Commissioner), and trustees. Please note that a single owner of a private professional corporation who is the 100% sole shareholder is excluded from coverage unless they elect coverage.
• Disability Insurance

Business

• Business Insurance
  Data Asset coverage is important, but it is not common for business insurance of any kind to include such a coverage. Instead, not only must you purchase a cyber liability policy in order to get this coverage, you must also verify and double check that the policy you purchased has this coverage included.  Not all cyber liability policies will include data asset coverage, whether or not it pertains to intellectual property  or intellectual property infringement.
• Commercial Property Insurance
  Commercial property insurance is a vital component of theater company insurance, providing coverage for the physical assets and property of theater organizations. It safeguards theater buildings, rehearsal spaces, offices, and equipment from risks such as fire, theft, vandalism, or natural disasters. Theatre production insurance extends this coverage to the specific property used during theater productions, including stage sets, props, lighting, and sound equipment, ensuring their protection during rehearsals and performances.
• Workers Compensation Insurance
  A portion of all business owners and executives still decide to exclude themselves on their company’s workers compensation insurance policy. The motivation behind such a decision could be due to a number of different things but the most common 2 reasons: 1 being cost and 2 is the owners or executives ‘never thought about it.’ So, take a moment and review the information on this page, you just may be glad you did.
• Commercial Liability Insurance
  It’s important to note that standard business liability insurance policies do not typically cover the specific risks associated with alarm, CCTV, and security system installations. Therefore, it’s essential for security system installers to have specialized insurance coverage in place to protect their businesses from potential liabilities.
• Professional Liability Insurance
  Management Liability Insurance can take many shapes and sizes, but typically includes coverages such as Crime, Cyber Insurance, Directors and Officers, Employment Practices Liability, Fidelity Insurance,  Fiduciary Coverage, Kidnap and Ransom Insurance, and Professional Liability or Malpractice Insurance.
• Builders Risk Insurance
  This coverage can be characterized in extremely broad strokes or thin lines. Basically, builders risk insurance covers a building or renovation projects for loss during construction (usually only provides property based coverages). On one hand, builders risk can provide coverage for equipment used on a specific job site, materials to be installed, fixtures, and sometimes even liability coverage; and on the other hand, builders risk may exclude contractor issues regarding collapse of the structure, improper work, etc. Explore your options with your insurance broker before starting a building project to determine if a builders risk insurance plan is right for you.

Personal

• Liability Insurance
  General liability insurance in trucking refers to liability coverage for non-vehicle-related incidents that can occur during the trucking company’s operations. It typically covers bodily injury, property damage, and other liabilities not directly related to the operation of the trucks themselves.
• Travel Insurance
  Travel insurance is your ticket to worry-free exploration. It provides vital protection against unexpected disruptions, ensuring you’re not left facing financial burdens. From trip cancellations to lost luggage, travel insurance acts as a safety net. It covers non-refundable expenses, emergency medical situations, and offers 24/7 assistance. Whether you’re traveling for business or pleasure, near or far, travel insurance gives you the peace of mind to focus on creating unforgettable memories. Don’t let unforeseen events spoil your journey. Invest in travel insurance and embark on your adventures with confidence, knowing you’re protected every step of the way.
• Wedding Event Protection

Natural Disaster

• Flood Insurance
  At Kelly Insurance Group,  we provide you with honest and personal service for your Flood Insurance needs.  We can help with all service aspects of your National Flood Insurance Policy, or your privately placed Flood Coverage.  We can order Flood Zone Mapping, Elevation Certificates, change your flood policy, and even quote/bind new flood insurance through our Flood agency.