Specialized Business Insurance Services

F&S Insurance offers niche commercial packages and custom coverage solutions engineered for small-to-medium business owners.

From Fuel Stations and Convenience Stores to Hotels, Restaurants, Auto Repair Shops, and Local Laundromats, we connect you with elite program administrators to secure the exact coverage your business demands.

Convenience Store with Gas Sales Classification

  • Full Service Repair.
  • Incidental Towing
  • Kiosk.
  • Car Wash.
  • 24 Hour.
  • Liquor and Restaurant exposures.
  • Special Form, replacement cost with no coinsurance.
  • Highlights of property coverages automatically

Highlights of property coverages automatically:

  • Money & Securities.
  • Employee Dishonesty.
  • Business Income
 
 
 

General Liability:

  • Medical Payments.
  • Fire Damage Legal Liability.
  • Limited Pollution exclusion.
  • Hired & Non-Owned Automobile.
 

Hotel & Motel Insurance Solutions:

  • Commercial property
  • General liability.
  • Equipment breakdown.
  • Crime & fidelity.
  • Liquor liability (where applicable).
  • Hired & Non-Owned Auto.
 

Optional Coverages:

  • Small Business Computer.
  • Energy Equipment Breakdown.
  • Employee Benefits Liability.
  • Food Spoilage.
  • Flood.
  • Earthquake.
  • Liquor Liability (when applicable; if alcoholic beverages are sold).

Automobile Policy:

  • Light and Medium Tow Trucks.
  • Light Commercial, Local Use Vehicles.
  • Available auto endorsements:
    • Hired Auto Physical Damage.
    • Non-Owned & Hired Liability.
    • Rental Reimbursement.
    • Towing

Umbrella Policy:

  • Limits available from $1 – $10 million.
  • Excess Liability coverage over and above:
    • Package premisses and liability, (liquor liability – if applicable)
    • Hired & Non-Owned Liability
    • Workers` Compensation Employers Liability
 
 

workers’ Compensation Policy:

  • Statutory limits and options available, as permitted by State