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Products

Learn More About Our Products

When you need customized solutions to properly protect your business, you know that expertise and capacity are of primary importance. MUSIC writes property and liability insurance products for more than 1000 classes of business through our network of appointed general agents.

You can count on rapid, industry leading service too, with most quotes provided within 24 hours.

Our team of insurance specialists has extensive knowledge in writing artisan and general contractors; restaurants, bars and taverns; habitational vacant dwellings; and many other commercial classes – along with E&S brokerage and program business.

Commercial Casualty

Liability coverage is provided for more standard non-admitted risks. Small and medium-sized accounts covering premises operations, light manufacturing, service, and contracting risks are considered.

Coverages Available:

  • Commercial General Liability
  • Liquor Liability
  • Miscellaneous Professional Liability
  • Non-Owned and Hired Auto
  • Abuse or Molestation
  • Employee Benefits Liability
  • Owners’ and Contractors’ Protective Liability
  • Increased General Liability Limits

Commercial Property

We provide Fire, Allied Lines and Inland Marine coverage for Commercial Property exposures. Our primary interest is in small and medium-sized risks.

Coverages Available:

  • Bailee’s Customer Coverage
  • Builders Risk
  • Building
  • Business Income/Extra Expense
  • Business Personal Property
  • Commercial Inland Marine
  • Commercial Property
  • Contractors' Equipment
  • Crime
  • EDP-Computers
  • Equipment Breakdown (Boiler and Machinery) (sponsored by Hartford Steam Boiler)
  • Farm and Ranch – Property
  • IDR (Identity Recovery Coverage) (with Hartford Steam Boiler)
  • Installation Floater
  • Miscellaneous Property
  • Signs

Garage

MUSIC is a provider of coverage for small and medium-sized non-franchised dealers and service or repair facilities for which coverage does not need to be written on an admitted basis. States in which coverage for used car dealers is available are: AK, AL, AR, AZ, CA,CO, FL, GA, ID, IN, LA, MS, MO, MT, NC, ND, NE, NM, OH, OK, OR, PA, SD, TX, UT, WA, WI, WY. We write non-dealers everywhere except MA, NY, RI, and VA.

Coverages Available:

  • Garage Liability
  • Dealer's Physical Damage
  • Garagekeepers Coverage

Brokerage

Brokerage Casualty:

The Brokerage Casualty unit focuses on medium and high hazard risks with low frequency/high severity exposure to loss. Light manufacturing and industrial classifications are serviced, including manufacturing, distribution and construction risks.

Brokerage Property:

The Brokerage Property underwriting unit specializes in handling larger property accounts up to $10 million per location.