COVID-19 NOTICE: Due to the current Pandemic, we will be limiting public access to our offices.

We are still working to service your insurance needs, but please contact your broker by phone or email only.

Direct Loss*

Damage to or loss of the insured property itself. It does not include consequential loss or expenses incurred as an indirect result of the damage, such as the cost of renting replacement items while the originals are being repaired.