For over 20 years, Roe Insurance has been committed to providing stable, reliable insurance coverage for nonprofit organizations that have been left behind by the commercial market. Unlike other companies that insure nonprofits only when market conditions are favorable, Roe Insurance proudly and exclusively serves as the insurer hundreds of nonprofits throughout Florida. Because it is difficult to find an insurance company that is committed to working with nonprofit organizations, Roe Insurance works hard to ensure that our policyholders have the necessary protection to keep thriving and pursuing their missions.
Commercial General Liability Insurance
Casualty Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.
Policies provide coverage for liability arising out of:
- Premises and Operation
- Fire Damage Liability (damage by fire to premises rented to insured)
- Personal and Advertising Injury
- Medical Payments
- Products/Completed Operations
And since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.
Business Auto Insurance
Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverages and deductibles and about tailoring a Business Auto plan that’s right for you and your business.
Workers' Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.
Workers' Compensation provides for the payment of four types of benefits:
- Medical benefits
- Income benefits
- Death benefits
- Rehabilitation benefits
A representative can provide you with complete details on Workers' Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.
Directors and Officers Liability
Directors and Officers Liability Insurance coverage is an essential part of managing a company in today's litigious environment. Directors and Officers are held to a high standard and have legal responsibilities to funding sources, stakeholders, creditors, employees and others. The role has evolved over the past decade into much more than a prestigious title and rubber stamp approval of management decisions. The public is increasingly holding them responsible for the day to day operations of the related companies.
Directors and Officers are held responsible for implementing sound corporate policies and procedures and for monitoring management's implementation of such procedures. This can include day to day decisions such as sound investment management, release of non-public information, conflicts of interest, hiring and firing decisions, corporate policies regarding discrimination, sexual harassment, benefit plans, merger and acquisition activity just to name a few.