SHEININ INSURANCE GROUP
david@sheinininsurancegroup.com
 
 
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COMMERCIAL INSURANCE
We offer insurance packages that are tailored for different types of businesses. Whether it is insurance for building, business property, equipment, inventory, company vehicles or employees, we offer products and services to protect your business.

In addition, we offer group benefits and management liability insurance
   
COMMERCIAL GENERAL LIABILITY INSURANCE
 

Casualty Insurance consists primarily of liability coverage, which protect an insured party against injury or damage claims made by other parties.

Policies provide coverage for liability arising our of:

  • Premises and Operations
  • Fire Damage Liability (damage by fire premises rented to insured)
  • Personal and advertising injury
  • Medical Payments
  • Products/Completed Operations
 
BUSINESS AUTO INSURANCE
 
Business Auto coverage insurance vehicles that are owned, leased, hired or borrowed by business whether they are associations, corporations, partnerships or sole proprietorship. Business Auto coverage may be used to insure private passenger auto and all types of trucks trailers, semi trailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverage and deductibles and about tailoring a Business Auto plan that’s right for your and our business
 
WORKERS' COMPENSATION
 
Workers’ Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.

Workers’ Compensation provides for the payments of four types of benefits:
  • Medical benefits
  • Death benefits
  • Rehabilitation benefits
A representative can provide you with compete details on Workers’ Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.
 
PRODUCT LIABILITY
 
Although we’re a market for virtually all types of product liability risks, we prefer the most difficult and hazardous classes. We offer tailor made coverage including pollution and professional liability extensions, product recall, intellectual, property, claims-made buy-outs and conversions to occurrence forms.

Examples include:
  • Sporting Goods and Equipment
  • Critical Automobile Parts
  • Automobile and Truck Manufacturing
  • Construction related
  • Hand and Power Tools
  • Toys
  • Hazardous Chemicals
  • Safety Equipment
  • Medical Products/Devices
  • Pharmaceuticals (including clinical trials)
  • Food/Dietary Supplements/Vitamins
  • Industrial Equipment and Machinery
  • Amusement Rides
  • Machinery Manufacturing
  • Cosmetics and Skin and Hair Care Products
  • Star-up Operations
 
UMBRELLA & EXCESS LIABILITY
 
We have markets, expertise, to help you place umbrella and excess liability risks of all sizes and types. From small $1 million limit umbrella to large multi-layered placements. Here are some of the major classes and risk types we write in this area:
  • Manufacturing / difficult products
  • Construction
  • Transportation risks – trucking, public transportation, livery, etc
  • Real estate – habitation, hospitality, etc
  • Stand- alone excess auto liability
  • Healthcare related risks
 
POLLUTION / ENVIRONMENTAL RISKS
 

We offer a wide range of reputable markets along with a depth of technical know how in environmental overages and exposures. We work for you to structure the comprehensive and cost effective environmental insurance program you demands for your best clients.

Coverage offered include:

  • Contractor’s Pollution Liability (CPL)
  • Pollution legal Liability (PLL)
  • Remediation Cost Cap (RCC)
  • Secured Creditor/Lender Programs
  • Owner’s Protective Environmental Insurance (OPEI)
 
ERRORS AND OMMISSIONS (E&O)
 
We understand that is a coverage that takes specialized knowledge. Just as no two policy forms are identical, no two risks are identical. We have access to the strongest carriers that deliver a customized cost effective solution for you and your clients.

We can entertain any risk that changes a fee for their services including (but not limited to):
  • Architects & Engineers
  • Construction Managers
  • Design/Build consultants
  • Employed Lawyers
  • Environmental Consultants
  • Financial Institutions
  • Insurance Agents/Brokers
  • Lawyers Professional
  • Media Liability
  • Pubic Officials
  • Real Estate Agents
  • Technology
Primary limits up to $10 million Excess limits up to $50 million
Deductibles as low as $2,500

 
DIRECTORS' & OFFICERS' (D&O)
 
  • Profit
  • Not for Profit
  • Private
  • Public Officials
  • Healthcare
  • Educators Legal

 
EMPLOYMENT PRACTICES LIABILITY (EPL)
 
  • Profit
  • Not for Profit including 501C3 to 501C6
  • Financial Institutions
  • Public Officials
  • Private Entities
  • Coverage Enhancements Available
  • Discrimination
  • Wrongful Termination
  • Third Party Liability
  • Wage & Hour
  • Breach of Contract
  • Sexual Misconduct
  • Mental Anguish
  • Workplace Harassment
  • Tenant Discrimination

 
CRIME
 
  • Blanket Employee Dishonesty
  • Forgery or Alteration
  • Loss inside/outside
  • Money order
  • Counterfeit paper
  • Funds Transfer Fraud
  • Loss of clients property due to Employee dishonesty

 
FIDUCIARY
 
 
  • Broad  wrongful acts definition includes allegations of breach of fiduciary duty and errors and omissions
  • No deductible applies in many cases
  • Defense Outside options for some classes
  • Broad definition of insured including the company, its benefit plans and its fiduciaries
  • Converge for 502(i) and 502 (1) civil penalties

 
   
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