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Petell Teece
Insurance
Member
COMMERCIAL PACKAGE POLICIES
Petell - Teece Insurance's Commercial Package Policy (CPP) is a comprehensive product combining Property and Liability coverages to offer you coverage where the Business Owners Policy is not available. An ISO based program with a competitive rate deviation, this product can help you insure your apartments, office, retail/wholesale or light manufacturing/processing operation which may not be eligible for the BOP policy.
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COMMERCIAL UMBRELLA
Petell - Teece Insurance's Commercial Umbrella is an excess liability policy covering over your business owners policy, your commercial auto, and your employer's liability; if applicable. This coverage is offered as an endorsement to the business owners policy, which ensures concurrency with current general liability limits and ease of billing. Whether your situation requires one, five or ten million dollars in excess liability coverage, our commercial umbrella endorsement can offer you the tool to address your liability needs.
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WORKERS COMPENSATION
Petell - Teece Insurance's compensation program provides coverage for injuries to your employees. This product is offered to complete the insurance program for our commercial coverage insured's.

We provide a managed care approach to claims to assure the highest level of attention to providing medical care to the injured worker and work with you and the employee toward a speedy return to work program.
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Commercial Lines
BUSINESSOWNERS POLICY
Petell - Teece Insurance's Business Owners Policy is a comprehensive property and liability insurance policy developed to meet the needs of your small, intermediate or large business. The program is ISO (Insurance Services Offices) based but is modified to expand eligibility and provide additional coverage options. We provide comprehensive coverage for eligible mercantile, office, service, wholesale, apartment and condominium exposures.

As each business is very individual in nature, a wide range of options are available and can be used to create a policy to better fit your individual risks. Along with all of the standard coverage endorsements available for a Business Owners Policy, we offer both our Business Owners Extension and Business Owners Extension Plus endorsements. These forms provide numerous coverage enhancements at a lower cost, giving you the ease to address your risks affordably. Also available are various Professional Liability coverages and a Commercial Umbrella endorsement which allow you to fully address your liability needs.
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COMMERCIAL AUTOMOBILE
Petell - Teece Insurance's Automobile Program was developed for the small to intermediate auto exposure. This program can provide comprehensive coverage for private passenger vehicles, light to medium trucks and trailers with service, retail or commercial uses. Full coverage is available for your vehicle and coverage limits of up to $1,000,000 are available for liability.

With competitive rates, experience and schedule credits available, and an Auto Plus Endorsement offering a wide range of expanded coverages, our auto program can help you meet your automobile coverage needs.
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CONTRACTORS PROGRAM
Petell - Teece Insurance's Contractors Program is an easy-to-rate policy for the most common contractor classes. The program provides coverage for small to mid-size contractors including Commercial General Liability and Commercial Property.
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BOILER AND MACHINERY BREAKDOWN
Our property coverage options have expanded to include an option for systems breakdown coverage. Coverage includes (but is not limited to): comprehensive machinery and equipment coverage, business interruption and extra expense limit equal to 12 consecutive months of actual loss sustained, off premises power interruption, spoilage, water damage, ammonia contamination, EDP equipment, media coverage and more. Covered equipment includes boilers and pressure vessels, mechanical and electrical equipment and business systems.
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BEAUTY & HAIR SALONS
Are you a Beauty Salon or Barber Shop owner? Saving money is important to all small business owners. As a cost conscience owner, many of your name brand beauty products such as Aveda®, Nexus®, KMS®, and Paul Mitchell®, are purchased from a wholesaler at wholesale prices. This allows you a generous savings.Why pay full price for salon business insurance coverage?

Petell & Teece Insurance Agencies Inc. can save you money on you salon insurance with our comprehensive salon insurance package. Why pay more when we can offer you complete coverage at a fraction of what you are paying now?

Call us today to start saving tomorrow. We saved numerous salons over 50% on their salon insurance coverage. Comprehensive general liability including professional liability coverage, property coverage including building, furniture, and professional business equipment coverage.
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Commercial Inland Marine
Inland Marine coverages not available as part of the package and business owners policies can be obtained on an inland policy. This policy can be written to complement another policy or on a mono line basis. A broad range of inland marine products is offered.
A few examples are:

Builder’s Risk New

Installation Floaters

Construction

Campers Floaters

Motor Truck Cargo

Contractor’s Equipment

Salesman’s Samples

Fine Arts

Trip Transit
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