Inland Marine
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
Contractors Equipment Floater: Virtually any type of mobile equipment or tool can be insured, from simple hand tools to massive cranes. Generally, the coverage is for direct physical loss, but rental coverage can be added to compensate for rental costs while the equipment is out of service.
Builders Risk/Installation: Covers structures being built, temporary structures at the building site, and building materials that have not yet become part of the building. The building materials are covered while on the insured location, in transit, or in storage at another location. The installation portion of the policy usually insures a contractor's interest in building supplies or in fixtures that the contractor has been hired to install.
Electronic Data Processing Equipment Form: The world has become increasingly digital, and our businesses rely on data storage. Clifford & Bradford offers coverage that insures the data processing hardware, software and media. The policy also covers the extra expense to continue data processing operations following a covered loss that resulted in damage.
Bailee Policy: Covers dry cleaners, repair shops, public warehouses, and other types of businesses with large amounts of the customer's goods in the insured's possession. There are two major types of bailee policies: The Bailee Liability Policy covers damage to customers’ goods only if the insured is legally liable for the damage. The Bailee's Customer Policy covers damage to customer's goods without regard to the bailee's liability.
Sign Coverage: Signs can represent a major investment to a business. Clifford & Bradford offers a policy that insures neon, fluorescent, automatic, or mechanical signs and lamps.
Equipment Dealers Coverage: The primary purpose of equipment dealers coverage is to insure the stock in trade of dealers in agriculture and construction equipment. Coverage is provided for customers’ equipment in the care, custody, or control of the insured.
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.
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.
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. 
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.
