Joe N Pratt Insurance
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      Property
      Property insurance provides coverage for damage to buildings, structures and personal property. Also, we can offer additional coverage for loss of business income.

      Liability
      General Liability insurance provides protection against legal liability for injury or damage to others arising out of the operation of a business. It can also pay legal defense costs.

      Vehicles
      Business Auto insurance provides protection against legal liability arising fro auto accidents.  It also provides coverage for damage to commercial vehicles of all types.

      Umbrella Excess Liability
      Umbrella Excess Liability insurance is designed to lay above a firm’s auto and general liability policies, providing additional liability coverage at higher limits.

      Workers Compensation
      Workers Compensation insurance provides protection to business owners when their employees are injured on the job.

      Loss Control Services
      The loss control department helps business owners identify and control hazards that contribute to losses and claims.

      Large Commercial Account Services
      Complete loss control, claims account management, medical case management, multiple state coverage, pricing and loss sensitive programs.

      Association Programs
      Association Programs enhance the value of professional association membership through the delivery of quality property and casualty insurance products, products and services that protect the financial interests of participating members.

      Inland Marine Insurance
      Inland Marine Insurance provides protections for cargo and shipments that do not involve ocean transit.  In addition, coverage is provided for bridges and tunnels, as well as jewels, furs, collectibles, and other items that may not remain at a single location.

      Fidelity Bonds
      A bond that reimburses an employer for losses caused by dishonest acts of employees, such as embezzlement, fraud, forgery, or theft.

      Directors & Officers Liability (D&O)
      Insurance that provides coverage against wrongful acts which might include actual or alleged errors, omissions, misleading statements, and neglect or breach of duty on the part of the board of directors and other insured persons and entities.  Many D&O policies include employment practices liability coverage.

      Professional Liability
      Also know as malpractice coverage or errors and omissions (E&O) coverage; covers liability for damages arising from the rendering of or failure to render professional services.

      Aviation
      Insurance coverage for aircraft (property insurance), and for damage, injury or loss of life or cargo (liability insurance).

      Livestock
      Insurance against loss (death) of horses, cattle, hogs, sheep, dogs, etc. owned by the insured. The coverage can be on an all risk or specified perils basis and includes loss by theft
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