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Property & Casualty insurance is what everyone envisions when one thinks of the term
insurance. It is the core component of any insurance no matter what industry your organization is involved.
Our professionals have experience in underwriting and risk management and belong to professional organization
such as CPCU giving them insight to secure a comprehensive insurance program for your company.
Property & Casualty products available include, but are not limited to:
- Property: This is first party insurance of real and personal property against physical loss or damage.
Property protection may include boiler and machinery breakdown insurance. Machinery breakdown insurance protects
against loss from disruption of boilers and machinery by an insured cause of loss, consisting of loss to the
boiler and machinery itself, damage to other property, business interruption losses or all three. Business
interruption insurance is a time element coverage which pays for a loss of earnings or income when business
operations are interrupted, curtailed, or suspended due to a property loss. Extra expenses incurred to continue
operations at another location are many times included as long as they reduce the total amount of loss.
- General Liability: This is a form of insurance sold to businesses to indemnify the business for third party
claims due to negligence. Coverages can include premises and operations liability for jobsite and onsite
accidents and products liability claims for products that insure third parties. Personal Injury can also be a
component of general liability. This includes injury, other than bodily injury, resulting from false arrest,
false detention, false imprisonment, malicious prosecution, wrongful eviction, wrongful entry, or the invasion
of privacy of premises. It also includes injury caused by oral or written material that slanders a person, goods,
products, services, or which violates the right of privacy.
- Another form of liability coverage might include liquor liability. This is for the basis of legal liability
for a dram shop, liquor control, or alcohol beverage law. The law might vary, but most provide that the owner of
an establishment which serves alcoholic beverages is liable for injury or damage caused by an intoxicated person
if i9t can be established that the liquor licensee caused or contributed to the intoxication of the person.
- Inland Marine: This is the insurance of property, most often on a all risk basis, that is in the course of
transportation or is of such nature that it may easily be transported. This can also include coverage for
valuable papers and records, which may include electronic media. Typically, coverage is limited to the cost of
recreating or recovering the lost documentation.
- Ocean Cargo: This is a type of marine insurance that provides property protection for cargo that is being
shipped by sea or over water.
- Automobile
- Excess Liability: This is a type of liability insurance protecting policyholders for claims in excess of
their primary automobile, general liability, and workers compensation policies. This type of policy may be
subject to a deductible.
- Workers Compensation: Protection that provides benefits to employees for any injury or contracted disease
arising out and in the course of employment.
- Directors and Officers
- Employee Benefits Liability
- Crime: A coverage used to encompass the variety of crimes against losses of money, securities and property
by such causes of loss as employee dishonesty, forgery, theft, burglary, robbery, kidnap, extortion and fraud.
- Flood
Wirtz Insurance Agency has vast experience in satisfying the need of our wholesale, retail, construction, real estate
and sports and entertainment clients. Contact us to see what Wirtz Insurance Agency can do for your organization.
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We are licensed in all 50 states of the United States of America and the country of Bermuda
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Wirtz Insurance Agency, Inc., 680 North Lake Shore Drive, Chicago, IL 60611
For more information call (312) 943-7000 or e-mail us
© 2000-2010 Wirtz Insurance Agency, Inc. - All Rights Reserved
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