The purpose of the Commercial Liability policy is to protect the insured from damages resulting in bodily or property damage for which the insured is legally responsible. The coverage typically includes medical expenses, property, accidents on and away from the premises, and damages arising out of the goods or products made by or sold by the insured.

Property Insurance is any type of insurance that indemnifies an insured party who suffers a financial loss because property has been damaged or destroyed. Property can be classified as real property or personal property. Real property is land and the attachments to the land, such as buildings. Personal property is all property that is not real property.

Clifford & Bradford offers a wide range of Crime Insurance that protects the business from a wide range of criminal activities. Talk with one of the Clifford & Bradford insurance professionals to fully understand the scope of Crime Insurance and to select the coverage that fit your needs.
Read more...

Umbrella coverage can provide an extra layer of coverage over and above the primary liability coverage. It can be an economical way to extend coverage to a broader range. The insurance professionals at Clifford & Bradford will be able to provide expert guidance on the advantages of Umbrella Coverage for your specific situation.

Clifford & Bradford can provide the right coverage for your fleet of company-owned vehicles, whether you own one or 101. The experts at Clifford & Bradford will research the best rates and the most trusted carriers and customize a policy and coverage strategy that fits your needs.

Inland Marine covers a wide range of policies and types of coverage to protect your business and equipment from loss.

• Contractors Equipment Floater
• Builders Risk/Installation
• Electronic Data Processing Equipment Form
• Bailee Policy
• Sign Coverage
• Equipment Dealers Coverage

Read more...

Clifford & Bradford continues to develop policies and offer programs that assist clients in becoming more successful while creating peace of mind. One of the services offered is surety bonding. While surety bonding is not exactly insurance, companies rely on Clifford & Bradford as a trusted and knowledgeable bonding agent. A surety bond is a guarantee that the work contracted between two entities is completed.  A third party guarantees the completion of the work.

Please contact Jo Griffith at jomac@cliffordandbradford.com to get all the requirements.

Boiler & Machinery insurance covers direct damage to property. It is necessary because commercial property policies exclude steam boiler explosions and the breakdown of machinery. The covered cause of loss is a sudden and accidental breakdown of the insured's boiler, machinery equipment, or any part of the equipment described in the policy.

All companies are required by State Law to offer and pay for Worker’s Compensation Insurance to protect employees who experience bodily injury from a work related accident or cause.