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McDonald McGarry specializes in providing insurance protection for small to medium sized businesses. We can provide coverage for a range of enterprises from home businesses to contractors; retail stores to law offices; multistate entities to non-profit social service agencies and all types of risks. We have relationships with insurers that allow us to provide coverage for hard-to-place buildings or products liability coverages.

McDonald McGarry is pleased to provide the following types of coverage for your business:

• Property Insurance

Insurance to protect commercial buildings and property.

• Businessowners Coverage

Insurance for small businesses and offices. These policies combine the property and liability coverages into one convenient and affordable policy.

• Liability Insurance

Insurance to protect your business from claims alleging personal injury or property damage arising from your business activities.

• Business Auto Insurance

Whether you are a one-person contractor or have a fleet of vehicles, we represent several companies that offer very competitive rates. In addition, many companies provide loss control services which can reduce the number of losses you incur and thus make you eligible for lower premiums in the future.

• Condominiums and Apartment Buildings

For many years these have posed a significant underwriting challenge for many companies and as a result owners faced limited insurance availability and high premiums. However, we have relationships with several companies that allow us to insure well-maintained buildings regardless of age. We can also insure mixed-use buildings, where the buildings house both living units and commercial or office space.

• Group Medical

This provides coverage for your employees. We represent a broad range of insurers and as a small business ourselves we realize the importance of an affordable coverage package. To the basic medical coverage, you can also add dental, disability or life insurance coverage for your employees.

• Key Person Insurance

We have provided coverage for several businesses that needed to protect themselves from the loss of on of their largest assets, a key employee.

• Professional Liability Insurance

This coverage is also known as Errors and Omissions Coverage. This protects you from a claim arising out of your profession, such as law, accounting or computer programming. We also provide Employment Practices Liability that protects a business from suits from prospective employees, current employees, or past employees alleging sexual harassment, discrimination or wrongful hiring, promotion or termination. We also provide Directors and Officers Coverage for a wide range of non-profit entities such as clubs and homeowners associations.

• Bonds

On a routine basis, we provide coverage to fulfill licensing requirements such as Contractor Licensing bonds. We also offer Notary Bonds, Janitorail Bonds, Employee Fidelity Bonds, and ERISA Bonds.

Because our clients face a wide range of risks every day, we strive to make sure that we represent the best insurance companies. Coupled with our policy knowledge, we work hard every day to be the one source for your insurance needs.