Policy Information



Business Owner Solutions

As a business owner, you're used to taking some risks. But your insurance company doesn't have to be one of them. Our agents understand the needs of small businesses like yours and can help protect your business and plan a roadmap for your financial future.

Combined with the exceptional claim service and stability of the companies we offer, we can help you build a plan that gives you the peace of mind you need. Talk to one of our agents about the many different options for your business.


Business Property Products

Retail and Service

Business owners get comprehensive protection for buildings, business personal property, loss of income and business liability.

Office and Professionals

Professionals or owners of office buildings can get comprehensive protection for their buildings, business personal property, loss of income, and business liability. Optional coverages allow you to tailor the insurance to your specific needs.

Small Contractors

As a self-employed contractor, you have special insurance needs. The average policy will provide comprehensive coverage for your business personal property as well as the liability insurance you need to protect yourself and your business. Multiple options are available to tailor coverage to fit your needs.

Home Business

Your homeowner's insurance may not adequately cover your home business. Contact one of our agents for assistance.

Rental Properties

Hall Insurance offers policies to insure both residential rental properties and commercial office buildings. Optional coverages allow you to tailor your insurance to your specific needs.

Hall Insurance offers policies tailored to insure apartment buildings, dwellings rented to others and condominium units held for rental. Coverage includes buildings, liability protection, and loss of rents insurance. Loss assessment protection is available to owners of residential property in condominiums, homeowner's associations, and other planned communities. A wide array of options and coverages are available to fit your needs.


Business Auto

Business Auto insurance provides comprehensive coverage against damage or liability claims involving a business vehicle.

Whether you have a small operations or a fleet, if your business depends on vehicles, Hall Insurance business auto insurance can meet your needs.

Who and What We Can Cover

Hall Insurance business auto insurance can provide coverage for a wide variety of vehicles such as delivery vans, refrigerated vehicles, tractor-trailers, utility trucks and private passenger vehicles used in many types of businesses, including florists, contractors, real estate, retail, wholesale, farming and more.

**Coverage Options

  • Liability
  • Medical Payments Coverage
  • Personal Injury Protection
  • Comprehensive
  • Collision
  • Emergency Road Service
  • Car Rental and Travel Expenses
  • Uninsured Motor Vehicle
  • Death, Dismemberment & Loss of Sight
  • Loss of Earnings

**Coverage Availability May Vary by Location, Vehicle Type, and Business Use.

Value You Want, Personal Service You Deserve

Business auto insurance offers you comprehensive coverage at a competitive rate. It also offers you our unbeatable service. Twenty-four hours a day, wherever you go, count on prompt and fair claim service from your agent here at Hall Insurance Agency Inc.


Workers' Compensation

As a business owner, you may need workers' compensation insurance to protect employees who are injured on the job and to comply with workers' compensation laws. Hall Insurance can help you.


Special Business Liability Insurance

Hall Insurance offers several products to cover your liability insurance needs. Please contact us for more detailed information.

Architects & Engineers Professional Liability

Under this policy, certain architects and engineers are protected from claims alleging a negligent act, error or omission in the performance of their professional services.

Accountants Professional Liability

Certain accountants and related businesses are protected from claims alleging a negligent act, error or omission in the performance of professional accounting services.

Commercial Liability Umbrella

For businesses that need $1 million or more of liability protection, Commercial Liability Umbrella Policies offer broad coverage at a sensible price.

Dentists Professional Liability

Under this policy, certain dentists are protected from claims arising out of a Dental Incident (i.e. act, error, omission or mistake) in performing professional services. Professional services are those dental services the insured is trained, licensed and qualified to perform.

Employment Practices Liability (EPLI)

Business owners with employees need EPLI to cover claims for harassment, discrimination or wrongful termination. It is specifically designed to help protect the insured and their business in the event an employee brings a suit or administrative charge.

Miscellaneous Errors & Omissions Liability

Under this policy, specific customers are protected from liability arising from a negligent act, error or omission in the performance of their professional service. An important benefit of this product is coverage for legal defense costs. Even when found innocent, the legal costs can be substantial.

Not-For-Profit Directors & Officers with Employment Practices Liability

This product is similar to the above, but protects the directors and officers of not-for-profit organizations in the event of a suit for an actual or alleged wrongful act in connection with management. EPLI coverage is also included to help protect the organization in the event that an employee brings a suit or administrative charge related to the organization's employment practices.

This may include charges for sexual harassment, discrimination or wrongful termination.

Technology Services Errors & Omissions Liability

This policy protects specific types of businesses that provide their customers with technology services. This coverage can help protect the insured from liability arising from mistakes, whether real or alleged.


Surety and Fidelity Bonds

What Is a Surety Bond?

A surety bond is a three party written agreement whereby a SURETY guarantees a specific performance on behalf of a PRINCIPAL (customer/insured) to an OBLIGEE. The Obligee is usually a government entity such as a City, Town, or State.

Types of Surety bonds

  • License and Public Bonds
  • Public Official Bonds
  • Probate and other Court Bonds
  • Miscellaneous Surety Bonds
  • Contract Performance Bonds

License & Permit Bonds

License bonds guarantee the Principal will comply with applicable codes and regulations established by the Obligee. (The Obligee is usually a government entity such as a City, Town, or State.) Permit bonds grant a Privilege.

Types include:

  • Electrician's license
  • Plumber's license
  • General Contractor's license
  • Driveway permit
  • Sign permit
  • Sales tax

EXAMPLE: Electrical contractors may be required to post a bond as part of their licensing requirements. The obligation of the bond may specify that the contractor will follow the electrical codes established in that city, town, or municipality.

The requirements of the bond and ordinance must be understood before the bond is written. The agent may ask you to obtain a copy of the ordinance or law that specifies the requirements and a copy of the bond, if the Obligee has its own. Depending upon the type of obligation, supporting documentation such as signatures, financial statements, and other supplemental information may be required.

Public Official

A Public Official bond guarantees that elected or appointed officials will faithfully perform their duties. The bond amount as well as duties are usually specified by statute or ordinance.

Types include:

  • Treasurers
  • Tax Collectors
  • Peace Officers
  • Judges
  • Hunting & Fishing license agents
  • Notaries

It should be noted that not all public entities require Public Officials to be bonded.

Underwriting aspects of Public official bonds include understanding the duties required of the Official, the reputation (character) of the official, and experience of the official.

Probate & Other Court Bonds

A Probate bond guarantees an honest accounting and faithful performance of duties by fiduciaries/trustees. These bonds are required by courts or statutes as estates of deceased persons, incompetent persons, and minors are set up and administered.

(For the estates)
Types include:

  • Administrator
  • Executor
  • Guardian
  • Conservator
  • Trustee

A Bankruptcy or Equity bond might be required of an appointed fiduciary for the sale of real estate or for property in foreclosure, reorganization or other litigation. This bond guarantees an honest accounting and performance of duties while managing and distributing the assets as directed by the court. Common types include Receivers and Trustees.

Other Judicial bonds may be required by a court in cases where someone is seeking legal benefit or relief. These court bonds can be extremely hazardous. Specific supplemental information may be required.

Types include:

  • Appeal
  • Injunction
  • Attachment bonds
  • Release of lien.

Miscellaneous Bonds

Miscellaneous surety bonds include those that do not fit into any of the other surety categories. These are usually more hazardous obligations.

Types include:

  • Utility payment guarantees
  • Lost Security/Lost Instruments (cashier's check, stock certificates, and municipal bonds)
  • Union Wage & Welfare

Miscellaneous surety bonds require more extensive underwriting because the guarantee to the obligee is monetary. In addition to the application, supporting information such as signatures, financial statements, and other supplemental forms are usually required.

Contract Performance Bonds

Simply stated, contract bonds guarantee the performance of a written contract according to its terms and conditions.

Due to the nature of contract surety bonding, contract bonds require extensive underwriting. We recommend contacting Hall Insurance Agency Inc. at least one month before bidding on a contract.

Hall Insurance's contract bond market focus is on the small artesian contractors market.

Types of Contract Bonds:

  • Bid bond
  • Performance bond
  • Payment bond

A Bid bond guarantees that if a contractor is the low bidder on a project, he/she will enter into a contract and provide a Performance bond.

A Performance bond guarantees the contract will be completed according to its terms and conditions.

A Payment bond guarantees payment of laborers, subcontractors, and material suppliers.

EXAMPLE: An electrical contractor may need contract bonds to guarantee the performance of construction contract or to guarantee the supply of goods and materials. Most public works projects required Bid, Performance, and Payment bonds from the contractor. These bonds will guarantee the contractor's performance according to the terms of the contract with the project owner.

What Is a Fidelity Bond?

A Fidelity Bond will indemnify the insured for loss caused by a fraudulent or dishonest act of a person covered by the bond (generally an employee) with the intent to cause the insured a loss and benefit the employee or others the employee intended to benefit.

Business owners don't typically believe employee dishonesty will happen in their business. However, employee fraud is more common than you think. Did you realize $3 billion dollars of business profits are lost annually due to employee fraud?

Types of employee dishonesty coverage

  • Fidelity Bond Policies (Blanket/Schedule)
  • Option Employee Dishonesty Endorsement

Option Employee Dishonesty Endorsement

  • Option Employee Dishonesty is employee dishonesty coverage covering all EMPLOYEES of the insured.
  • Option employee Dishonesty is an endorsement.
  • Only specific coverage amounts are offered under Option Employee Dishonesty. If more coverage is needed a separate fidelity bond should be considered.

Fidelity Bond Policies - Blanket/schedule Blanket Bond

  • Covers ALL EMPLOYEES of the named insured unless specifically excluded.
  • New employees are automatically covered.
  • All employees are bonded for the same aggregate amount.
  • Limit of liability applies 'per occurrence' as defined in the policy.
  • Premiums are based on the amount of coverage requested, the total number of ALL employees, the business activities of the insured, and the amount of the deductible. Common uses for a Blanket Bond would be:
    • Businesses with large numbers of employees
    • Businesses with frequent employee turnover
    • Organizations with voluntary or honorary positions (not for profit associations)

Schedule Bond; Name or Position

  • Employees covered are those whose name or position are scheduled.
  • Employees can be bonded for different amounts.
  • Limit of liability is per name/position scheduled.
  • Premiums are based on the amount of coverage, number of individuals scheduled, the amount of coverage for each person listed, the business activities of the insured, and the deductible amount. Common uses for a Schedule Bond are:
    • businesses where employees tend to have greater responsibilities combined with the handling of larger sums of money (real estate managers, bookkeepers)
    • where there are only a few or only selected employees to be covered. (office managers)