Oilfield Specialty Coverages:

• Here at Leavell Insurance we specialize in coverages for the oil industry, including oilfield contractors and sub-contractors ensuring your company meets the industries requirements for insurance.

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Automobile:

• Commercial Automobile Insurance
  Commercial automobile insurance covers both liability and physical damage exposures. We provide programs with a wide range of primary and excess limits and offer a variety of deductible options.
  
• Garage Insurance
  Companies engaged in selling, servicing, repairing, or storing vehicles face some unique liability exposures. These types of businesses are unique because their automobile liability and general liability exposures and coverage needs tend to overlap. Along with providing commercial automobile coverage, the garage policy includes liability coverage for a company's premises and operations, products or services, or vehicles in its care, custody, or control.
  
• Truckers Insurance
  If a company is in the business of transporting goods, materials, or commodities for others, then the trucker's policy could best cover its exposures. This policy provides the flexibility truckers need by expanding the definition of the named insured. The policy provides liability, physical damage, and trailer interchange coverage.

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• Excess Insurance for Self-Insured Workers Compensation and Employers Liability
  An excess workers compensation policy covers losses that exceed a self-insured company's retention.
  
• Excess General Liability Self-Insured Retention
  The excess general liability policy provides insurance for losses that exceed a company's self-insured retention.
  
• Excess Umbrella Liability
  Excess umbrella liability coverage provides catastrophe insurance limits for losses that exceed underlying policy limits.
  
• Excess Automobile Liability Indemnity Insurance
  Excess automobile liability policy provides excess coverage over a company's self-insured amount for automobile liability.
  
• Excess Trucker Liability Insurance for Self-Insured Truckers
  The excess trucker liability policy provides self-insured truckers with excess liability coverage over the amount they self-insure.

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• Crime Insurance
  Every company needs crime protection. Crime insurance covers your company for the loss of property, including money, when caused by a crime such as dishonesty of an employee, burglary, robbery, and theft.
  
• Surety Bonds
  Contract surety bonds support the surety needs for contractors of all sizes and involved in all types of construction, including plugging and environmental bonds.

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• Commercial General Liability Insurance
  Liability exposures exist in every part of a company's operations and at every location. A seamless general liability program provides both defense costs and settlements associated with these exposures. General liability coverage provides companies with broad, well-understood coverage. Depending on a company's needs and qualifications, various coverage extensions can be added to the policy.
  
• Railroad Protective Liability Insurance
  If a contractor's work site is located on or near a railroad and a loss occurs, the contractor is covered under its general liability insurance, but the railroad is not. Railroads will not usually grant easement rights to contractors without the proper coverage. Owners protective coverage for the contractor provides the railroad with general liability coverage for liability arising out of a contractor's work.
  

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Group Disability:

• Workman's Compensation 
  We understand the dilemma of every benefits manager: controlling cost in the eyes of management while being compassionate to employees. We believe that the best short- and long-term disability program is one that accomplishes both. To us, providing great service is as critical as offering valuable and effective benefits programs. 
  

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• Contractors Equipment Insurance
  Companies that require mobile equipment to run their businesses face unique risks. A loss to their equipment, such as a contractor's back hoe, can shut down their business. Contractor's equipment insurance provides coverage for mobile equipment and machinery.
  

• Electronic Systems Insurance
  Most companies depend on electronic information systems to keep their operations running efficiently. Unfortunately, traditional property insurance policies do not always address the potential losses associated with electronic equipment. Our companies understand the importance of information processing and the impact that system downtime can have on your business operations. Comprehensive electronic systems coverage provides direct property damage coverage for electronic information systems and data processing equipment, data, and media.

• Motor Cargo Insurance
  Trucking companies need to protect against damages or shortages to the cargo they haul.  A program can be designed with separate limits for each vehicle, terminal, or occurrence.

• Warehouse Operators Legal Liability
  Companies which are storing goods for others need to protect against the exposures created by virtue of their bailee relationship when those goods of others are damaged or stolen. 

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Property:

• Boiler and Machinery Insurance
  Whether a company has small machinery or large boilers and equipment, there are specific property damage and business interruption exposures that can only be addressed with this coverage.
  
• Builders Risk Insurance
  Whether building a new structure or making improvements to an existing building, property undergoing construction is at risk. Builders Risk Insurance provides coverage for both the contractor doing the work and the owner of the building.
  
• Commercial Property Insurance
  A well-designed property program does more than protect and preserve a company's physical assets, it protects a company's ability to operate. Our experienced underwriters review current coverage, limits, deductibles, and payment plans to determine if a company has the right type of coverage and is paying for it in the most cost-effective manner.
  
• Inland Marine Insurance
  Inland Marine coverage protects your mobile or off-premises property from the perils inherent in the transporting, storage, or usage of such property. 
  
• Property Insurance
  Every company has a need for property protection. A property policy is designed to provide comprehensive coverage to customers with high property values and complex property exposures. Customers benefit from a full range of coverages and flexible limits, deductibles, and pricing.

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Specialty:

• Employee Benefits Insurance
  Many companies provide employee benefits as part of running a business. These companies can be legally liable for improper advice, error, or omission in the administration of an employee benefits program. A employee benefits endorsement provides coverage for any damage a customer becomes legally liable for in the administration of an employee benefits program.
  
• Employment Practices Liability Insurance
  All companies face personnel issues no matter how many employees they have.  This product is designed to cover actual or alleged wrongful discharge, sexual harassment and discrimination. Covers employees, supervisors, directors and officers.
  
• Liquor Liability Insurance
  Businesses that sell and serve alcoholic beverages face potentially serious liability exposures. Liquor liability insurance is designed specifically for companies with liability risk exposure under the state liquor liability or "dram shop" laws.
  
• Product Recall Expense Insurance
  Businesses with general liability and products liability exposure--such as retailers, manufacturers, and food processors--can incur expenses if a product is recalled because it's defective. General liability endorsements cover expenses incurred in withdrawing or recalling a product including communication expense, overtime compensation, and product disposal costs.
  
• Owners and Contractors Protective Liability Insurance
  Successfully managing a major construction project requires the project manager to follow strict scheduling and budget guidelines. Owners and contractors protective policies save money and offers protection. We understand that each construction job is different and will tailor a program to fit the unique needs of each contractor.

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Workers Compensation:

• Workers Compensation and Employers Liability Insurance
  Workers compensation and Employers Liability Insurance help companies control workers compensation costs by providing workers compensation programs that lower ultimate cost through effective loss prevention and claims management. We can help companies select the right combination of coverage options, deductibles, financing alternatives, and payment plans to meet individual needs and satisfy state and federal laws.

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