Commercial Lines
Auto Dealers
Whether your business is an auto dealership, implement or trailer dealer, or auto repair shop, Woodall & Hoggle has a program to cover your property and liability exposures.
Auto-related businesses are unique in their insurance requirements. Below are descriptions of several special types of insurance coverage you need to protect your business:
- Garage Liability: legal liability due to bodily injury or property damage resulting from your premises, operation, the work you perform or the products you make. Key coverage concerns are:
- Autos furnished to owners, employees, etc.
- Autos furnished to non-employees
- Garage customers and their autos
- Customer auto rental
- Truth in Lending Errors and Omissions
- Odometer and Prior Damage Disclosure Errors and Omissions
- Garagekeepers Coverage: coverage for autos owned by others which are in your custody for storage or repair
- Dealer’s Blanket: coverage for vehicles, trailers, implements, etc., held for sale
- Property Coverage for buildings and personal property
- Workers Compensation coverage first report of injury
- Errors & Omissions
Some of our companies offer multi-policy discounts with their Auto Dealers programs. Why not let Woodall & Hoggle help you to receive the coverages and service you need and deserve? Contact us today!
Construction
Are you a General Contractor, excavation contractor, carpenter, plumber, electrician, heating and air contractor, cabinetmaker, painter, or any other type of artisan contractor?
Whether your contracting business is small or large Woodall & Hoggle has an insurance program tailor-made just for you! Some of the coverages that will be trailored for you will be:
- Property
- Contractors equipment and Tools
- Owned
- Rented
- Leased
- Borrowed
- Newly Purchased
- General Liability (including per project aggregate if necessary)
- Owners-Contractors Protective Liability (OCP)
- Commercial Auto
- Excess/Umbrella Liability
- Errors & Omissions
- Contract Bonds
- Builders Risk
- Employment Practices Liability
- Employee Benefits
- Workers Compensation first report of injury
- Owner Controlled Insurance Programs (OCIP/Wrap-up Job)
- Directors & Officers
- Installation Floaters/Property In Transit
- Personal Property of others
These forms will be helpful :
- Wrap-up/OCIP Jobs Check List
- Contract Bonding Prequalification App
- Madison County Home Builders Asssociation Application
- Marshall County Home Builders Association Application
Public Entities/Utilities and Municipalities
Utilities and Municipalities have very specialized insurance needs. Woodall & Hoggle can help you meet those needs!
As a public entity you are responsible for providing service to many people. Our companies can provide you insurance coverage including:
- Property and Equipment Coverage including Earthquake and Flood
- Business Income/Extra Expense
- Service Interruption
- Perishable Goods
- Computers and Electronic Equipment
- Equipment Breakdown
- Newly Acquired Locations
- Law Enforcement Liability
- Employee dishonesty, forgery, theft
- General Liability
- Public Officials Liability
- Employee Benefits Liability
- Errors and Omissions Coverage
- Auto Coverage for your specialized needs
- Avaition
- Garage
- Boiler & Machinery
- Surety Bonds
- Umbrella
Financial Institutions
We specialize in the financial industry and help our customers place critical coverages for your unique industry.
Range of financial institutions include:
- Bank
- Property Trusts
- Trust Companies
- Insurance Companies
- Custodians Regulatory bodies of FI's
- Friendly Societies Investment Companies
- Electronic data service providers for FI's
- Fund Managers
- Unit Trusts
- Financial intermediaries
- Clearing Houses
- Credit Unions
- Managed Investment Schemes
- Stock Exchange
- Registers
Portfolio of products include:
- Bankers Professional Indemnity
- Superannuation Trustees Liability
- Insurance Company Professional Indemnity
- Employment Practices Liability
- Investment Managers' Professional Liability
- Mortgage Impairment
- Unit Trust Asset Protection Professional Indemnity
- Financial Fidelity Bonds
- Managed Investment Asset Protection
- Electronic Computer Crime
- Directors & Officers Liability Kidnap, Ransom & Extortion
- Venture Capital Liability
- Cyber Security
Hospitals & Health Care Practices
Woodall & Hoggle recognizes the healthcare industry is very unique in the risk management and insurance requirements needed for your daily operations. For this reason we have teamed with some of the top companies to create the most cost-effective solutions to your industry. Some of the special coverages that will apply to your industry would be:
- Medical Professional/General Liability
- Umbrella
- Errors & Omissions
- Directors & Officers
- Employment Practices liability
- Crime/Employee Theft/ERISA
- Property Coverage
- Inland Marine/Equipment Breakdown
- Auto liability & Physical Damage/Fleet
- Aviation Liability
- Internet Liability
- Pollution Liability
- Workers Compensation
- Employee Benefits
Retail & Wholesale/Food Services/Equipment Dealers
Creating solutions that minimize gaps in coverage and multiple coverages that cost you money. We work with you to create a tailored program and risk analysis, whether you own one store or a chain. We offer flexible pricing plans designed with your business in mind. Products that can be applicaple to your business are those such as:
- Property
- General Liability
- Business Auto
- Umbrella
- Directors & Officers
- Employment Practices liability
- Business Income & Extra Expense
- Loss of Use/Business Interruption
- Workers Compensation first report of injury
- Employee Benefits
- Surety Bonds
- Product Recall
- Equipment Inventory
Truckers/Transportation
Whether you are a small operation local trucking company or a national over the road carrier, our staff is specially trained to meet your transportation needs. We understand that claims cost money and we offer a variety of safety information to help reduce the risk of claims. We also limit downtime by staying on top of any claim to make sure they are taken care of as quickly as possible. We are capable of handling your insurance needs for any sized fleet. Some of the products suited for your specific needs would be:
- Auto Liability
- Physical damage
- Motor Truck Cargo
- On-Hook
- Bobtail
- General Liability
- Workers Compensation first report of injury
- Umbrella
- Errors & Omissions
Manufacturing/Distributors
Working hard and being a business owner go hand in hand – you invest your time, money and effort toward keeping your property maintained, encouraging safety among your employees and providing your customers with quality goods and services. That’s why it’s so important to protect your business.
At Woodall & Hoggle we work as a team with leaders in the insurance industry, to place you with the companies that are suited best for your needs.
We’ve been helping manufacturers like yourself protect against financial loss since 1951. First-rate manufacturers look for opportunities to improve processes, product quality and performance. As a result, they consistently meet or exceed industry standards. And they’re focused on worker safety, taking whatever actions necessary to prevent injuries. For those businesses that go the extra mile, Woodall & Hoggle is here. We want to go that extra mile for you!
You’ve made a considerable investment in your business and that investments needs protection. We recognize your concern for the quality of your product and the safety of your work. That’s why we are here to help.
Product liability offers coverage for losses resulting from the use of your product. Protection for your property is essential to your operation—stock, patterns, dies, molds, and machinery. It’s your investment, why not protect it with someone you can trust to handle your needs.
So, whether you’re a plastic or rubber fabricator, metal manufacturer, wholesale distributor, finisher or machine shop. We’d like the chance to work for you. Here’s some of the products we would recommend for you:
- Commercial General Liability
- Products liability
- Bailee (Property of Others)
- Commercial Property
- Business Income & Extra Expense
- International coverage
- Product Tampering & Contamination
- Transit Coverage
- Recall Coverage
- Errors & Omissions
- Technology
Technology
New technologies are being developed and evolving daily. While great for our world today, it creates new risks that the traditional insurance policies don’t address. Having an insurance company that understand these risk is crucial in this day and age. Some of those special coverages you will need would be:
- Technology Errors & Omissions
- Computer Virus
- Commercial Property & Business Personal Property Including Computers
- Global Coverage
- Electrical damage and mechanical breakdown coverage
- Bio-Contamination
- Employee Theft
- Property in Transit
- Contract Penalties
- Radioactive Contamination
- Employee Benefits Liability
- Employment Practice Liability
- Cyber Insurance
- Directors & Officers
- Errors & Omissions
- Medical & Biotechnology
Bonding
Woodall & Hoggle has a wide range of bonding programs available. This form will also be helpful: Contract Bonding Prequalification App .Here are a few of the most common programs:
- Auto Dealers License Bonds (Motor Vehicle Bond, Designated Agent Bond)
- Construction Contract Bonds (Bid Bond, Payment & Performance Bonds)
- Fidelity Bonds
- Fuel Tax Bonds
- License and Permit Bonds
- Lost Instrument Securities Bonds
- Noraty Bonds
- Surety Bonds
- Probate Bonds
- Administrator & Estate Bonds
- Liquor Bonds
- Utility Bonds
Churches and Religious Institutions
Woodall & Hoggle knows that churches and religious institutions are unique. For this reason we have looked to our companies for a specialty program to write Package policies designed to fulfill a wide range of those special needs.
Needs such as:
- Property, General Liability, Professional Liability, Auto, Director’s & Officer’s Liability and Umbrella Liability all with one carrier
- Employee Benefits Liability
- Crime Coverage including: Employee Theft (Blanket Fidelity); Money & Security; Forgery or Alteration.
- Agreed Value available on select properties
- Fine Arts coverage available for religious artifacts as well as stained glass.
- Boiler & Machinery/Equipment Breakdown
- Professional Liability with separate limits of liability, including coverage for Religious Organizations counseling and volunteers.
- Medical Payment for Volunteers
- Volunteers and Church Members as Additional Insureds.
- Abuse and Molestation Coverage
- Coverage for fund raising events
- Professional Liability that extends to Pastoral Counseling
Click here for an application for our Church and Religious Institutions Program. Please complete and fax it back to our office at 256-582-6806.
Corporate Philosophy:
Our commitment is to assist clients with the development of a comprehensive insurance program tailored to each client’s specific needs, size, and future growth plans. Focusing primarily upon industry leaders who seek to develop a long-term relationship with their insurance professionals, our goal is to offer insurance coverage with excellent service, and competitive pricing.
Because we genuinely care about our clients, we have developed a reputation for outstanding customer service. With highly skilled servicing teams, we are enthusiastic, and dedicated to providing clients the quality service their business deserves.
Click here for Our Pledge of Performance
