Insurance Product Lines – Onyx Financial & Insurance Services Inc.

Click any product title below for detailed descriptions:

Builders Risk/Course of Construction (COC) Insurance - indemnifies for loss of or damage to a building under construction. Insurance is normally written for a specified amount on the building and applies only in the course of construction. Coverage customarily includes fire and extended coverage and vandalism and malicious mischief. Builders risk coverage can be extended to a special form as well. The builders risk policy also may include coverage for items in transit to the construction site (up to a certain percentage of value) and items stored at the site.

Commercial Auto Insurance – A vehicle insurance policy that provides financial protection for business vehicles and its drivers. Employees involved in on-the-job collisions will receive coverage for medical injuries as well, regardless of fault.

Contractor Bonds – Looking for a Contractor’s License bond? Bid bond? Performance Bond? Surety bond? We can help you with all of your bond needs! Financing available!

Contractor Insurance - Most contractors need to have a contractor’s insurance policy to protect them against liability.

Directors and Officers Insurance – Protects officers and directors of both privately held and publicly held corporations from claims made by shareholders, competitors, and employees. Even if the claim isn’t legitimate, a good D & O policy will cover the legal costs to fight the claim.

Errors and Omissions – If you have this coverage option you can be protected against liability for actions of other independent contractors and subcontractors including liability due to your failure in supervising the contractor’s work.

Excess Liability – This coverage affords protection against claims such as libel, slander, defamation of character or invasion of privacy (personal Injury) and claims alleging written or publicized offenses of the above examples.

General Liability for Contractors – covers a contractor for property damage, personal or physical injury, and/or construction defects.

Health Insurance – We can provide you with options from most all health insurance carriers. We have solutions for groups, family, and individuals.

Life Insurance – Insurance that pays out a sum of money either on the death of the insured person or after a set period.

OCIP/Wrap Insurance – is liability coverage focused on contracting risks, attempting to manage in a single contract the broad interplay of exposures and interests among owners, general contractors, and subcontractors.

Property Insurance – provides protection against most risks to property, such as fire, theft and some weather damage.

Tools Coverage – Insurance coverage for the theft of your tools and equipment.

Workers’ Compensation – Workers’ compensation insurance is required for all employers in every state except for Texas.  There are many programs to choose from. Let us help you find the best and least costly program for your company.