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With more than 25 years of experience in commercial insurance, The Hudson Group can design a policy that suits your needs with a consultative approach. Direct access to more than 16 different insurance companies allows The Hudson Group to offer the most competitive rates for your custom policy.


  • Property Owners / Large Developers and Commercial Buildings
  • Retailers
  • Wholesalers / Distributors
  • Contractors / Construction
  • Institutional
  • Professional Offices
  • Non-Profits
  • Fee-based Risk Management Consulting


Although most business owner policies (BOPs) provide coverage for property, this often pertains only to the actual structure of your business. Under a BOP, the structure of your business is covered from events of “peril” (i.e. weather-related damage) and causes of loss (i.e. robbery). What about the furniture, computers and equipment in your building? Who will cover the cost of replacing an outdoor sign?

That is where commercial property insurance comes in. A typical commercial property insurance policy will cover the property of your business that a BOP will not. Most insurance agencies can compile a commercial property insurance line to include coverage for:

  • Structure (building) of your business
  • Furniture
  • Equipment
  • Lost inventory
  • Landscaping
  • Outdoor signs
  • Damage to the property of others and more

Commercial property insurance is customizable in most cases, allowing you to provide more coverage for the things that truly matter to your business, and less coverage for the things that do not. Don’t think you need commercial property coverage? Consider this: if a fire erupts in the building of your business and you lose your entire inventory, are you positive that your BOP provides enough coverage to replace it all? If someone breaks into your business and steals expensive equipment, are you positive your BOP provides enough coverage to replace it in full?


Does your business have enough liability coverage? If you are relying on the liability coverage provided through a business owner’s policy (BOP), then chances are you do not have enough. Although a BOP does provide liability coverage for businesses, it is often at a small limit and is not enough to cover costs due to claims and lawsuits.

Does your business qualify for general liability coverage?

It is important to know which market your business falls into before you shop for liability insurance. Those businesses that fall into the “excess surplus market” (i.e. “dangerous” occupations such as roofers, siders, etc.) have to purchase excess liability insurance. If your business falls into the “standard market” (i.e. technology companies, lawyers, etc.) then you qualify for general liability insurance.

General liability insurance protects your business from a variety of things. Your insurance agent can create a customized policy for you that will include different types and amounts of coverage. The following coverage is often included in a general liability line:

  • Business Personal Property (BPP) Protection of your business’ property from:
    • Fire
    • Theft
    • Vandalism
  • Claims due to:
    • Bodily injury
    • Property Damage
  • Terrorism coverage and more

General liability insurance protects a business from many liability issues, but business owners should also consider adding specialized liability coverage like errors and omissions insurance.


As a business owner, you worry for the future of your company and staying afloat when many businesses are going under. Owning and operating a successful business has required you to be a risk taker, fearless and resilient in the face of adversity. But what would you do if you were served with a lawsuit? Would your business be able to withstand the financial devastation?

Excess liability will cover your business from catastrophic issues that threaten its security. An excess liability policy acts as an umbrella to your basic liability insurance when a claim is made against you that exceeds the amount of your existing coverage. Excess liability provides a safety net when your other coverages have been exhausted.

Your basic insurance policies are essential for your business’s survival. They offer your company a blanket of security. However, these coverages only protect you to a certain extent.

Give your business the coverage it needs with excess liability from The Hudson Group.


Many states require individuals to purchase auto insurance to protect their cars. Car insurance is mandated for good reason; if you get into an accident, you and the other driver involved will be thankful you have coverage. If you are a business owner whose company has a fleet of vehicles, the same auto insurance needs still apply.

Even if your employees use company cars for both business and personal use, it would be good to look into purchasing a commercial auto policy for your business. If the business owns the vehicle, make sure the name of the business appears on the policy as the “principal insured” rather than your name.

Whether your company needs to purchase a commercial auto insurance policy is dependent on the driving its employees do. Our agents will sit down with you and explain your business’s auto insurance options. You will be asked about how your employees use their vehicles, which employees drive company cars, and if employees use their own cars for company work and travel.

We understand that you may have questions about the type of coverage that may be right for you. Our friendly agents will walk you through your insurance shopping, and search the country to find you the best rate.


As a business owner, you do everything you can to protect your employees from potential dangers, but do you have worker’s compensation protection? Most business owners understand that worker’s compensation is important, but did you know that if you have employees, it is required by law to have coverage?

Worker’s compensation is a type of insurance coverage that protects your employees. Policies can provide coverage for:

  • Medical expenses
  • Lost income/wages
  • Rehabilitation costs
  • Death benefits and more

For anyone who is classified as an employee, it is required by law to provide them with worker’s compensation coverage. Employees can opt out of coverage, but if you do not offer it, you can be fined up to $2,500 a day and can face a Class D felony charge with a mandatory minimum one year prison sentence. Termination of an employee who is injured while working and/or who files a worker’s compensation claim is also illegal. As a rule, a company with five or more employees is mandated to purchase workers compensation insurance to cover medical expenses, permanent disability and a portion of the injured employee’s wages.

Having worker’s compensation coverage can save you and your business from costly lawsuits and employee issues. Worker’s Compensation Insurance protects your business AND your employees, who are oftentimes a huge part of the framework of a company. The Hudson Group can provide you with a coverage program that is specifically tailored to meet your needs. We can also provide you with a free workers compensation insurance quote. You’ll be surprised at how much your business can save by choosing to place your policy with The Hudson Group!


A bond is basically a loan in which the lender is a common everyday consumer and the borrower is the government, an agency, or a company. The U.S. Treasury, municipalities and companies issue or sell bonds to obtain certain amounts of money to fund their day-to-day operations or to finance specific projects. Purchase of bonds enables the borrower to invest cash that will eventually be returned, sometimes with added interest. Because bonds are actually loans, the amount of the bond is the principle, and interest is paid on the principle – usually at a fixed rate. Bond insurance protects the issuer if they are unable to follow through on their end of the “bond bargain.” By paying an insurance premium, the bond issuer gains the security of knowing that the principle and interest of the bond will be paid for if the issuer in unable to do so. How bonds are classified depends on several factors, including:

  • Whether or not they are secured or unsecured
  • Maturity rating
  • Tax status
  • Financial reliability of the issuer

Bond insurance, therefore, will correspond to the rating of the bond and is calculated based on the risk of failure to repay the bond. The only bonds that are not usually insured are government bonds, since the risk of failure to repay is minor.

When a bond issuer wants to assure potential investors that a bond is really and truly safe, they often turn to a bond insurer, like The Hudson Group. The Hudson Group can make both you and your potential investors feel comfortable and secure with their bond purchase.


The term “inland marine” can be confusing to many, but it shouldn’t be overlooked by businesses when shopping for insurance products. You may be surprised to learn that inland marine insurance actually has nothing to do with the ocean or marine-related issues, but instead involves the transportation of goods over land.

Inland marine insurance covers articles in transit by planes, trains, automobiles and trucks, including bridges, tunnels and other modes. Inland marine insurance will often cover important and highly valuable items such as jewelry, fine arts, and china.

Because The Hudson Group is an independent insurance agency, we will shop the top carriers in the country to find your transportation business the best inland marine insurance available. By purchasing inland marine insurance through The Hudson Group, you can concentrate on operating your business with the peace of mind you deserve.


The ocean can be a dangerous place. Spanning almost ¾ of the globe, hazardous conditions and situations are often presented to mariners underway. Many times, the perils and risks presented on the vast oceans are unavoidable. Safety precautions and emergency protocols should be practiced regularly, but a comprehensive ocean marine insurance policy should be purchased.

Ocean marine insurance covers vessel and watercraft damage, as well as the loss of cargo aboard your ship. Cargo is often damaged in the tumultuous activity of the fierce ocean waters, and this property can be covered.

In a world with increasing natural disasters, frequent storm surges, and powerful oceanic activity, an ocean marine insurance policy can alleviate your worries in traveling the world’s high seas.

Get started insuring your transportation business today!


Professional liability insurance is a type of indemnity protection for businesses to cover errors and omissions that result in significant financial losses. Companies of all sizes and types are exposed to risks that can potentially put you out of business. If a client alleges that an error or an omission was made regarding their account and they suffered a financial loss, you may be served with a lawsuit.

Professional services of all types require insurance protection. Whether you own an information technology business, an insurance agency, or a real state agency, your business needs insurance coverage.

Don’t let a small mishap turn into a large lawsuit. Protect your business


Directors and officers liability insurance, or D&O, provides coverage for the directors and officers of a business if they are sued in conjunction with the performance of their duties as they relate to the company. You’ll need directors and officers insurance as soon as you assemble a board of directors.

Directors and officers liability insurance usually includes employment practices liability and sometimes fiduciary liability. Fiduciary involves harassment and discrimination suits, and is where the majority of your exposure will be.

Directors and officers insurance is necessary because:

  • Claims from stockholders, employees and clients will be made against the company and against the directors of the company. Since a director can be held personally responsible for acts of the company, most directors and officers will demand to be protected rather than put their personal assets at stake.
  • Investors and members of your board of directors will not be willing to risk their personal assets to serve as a corporate director or officer, no matter how heartfelt their belief in your company.
  • Employment practices lawsuits constitute the single largest area of claim activity under directors and officers policies. Over 50% of D&O claims are employment practices-related.

Be careful not to confuse directors and officers insurance with errors and omissions liability. E&O is concerned with performance failures and negligence with respect to your products and services — not the performance and duties of management.


All businesses are exposed to a large amount of risks on a daily basis. No matter what size and type of business you are running, there is always a risk threatening to take down your business. Your employees expect a lot out of you and their job, and when they feel betrayed or mistreated, a lawsuit is never far away. Employment allegations are a common form of business-related claims and The Hudson Group has a solution to mitigate this form of risk.

Employee practices liability insurance will provide protection for an employer from claims made by employees, former employees or even potential employees. This coverage will also include high-ranking officials in your firm including directors and officers.

Employee practices liability insurance will provide coverage from:

  • Discrimination (age, sex, race, disability, etc.)
  • Wrongful termination of employment
  • Sexual harassment and other employment-related allegations

Don’t let a disgruntled employee threaten the stability of the business you’ve worked so hard for.


Fiduciary liability, also called “pension trust liability,” protects fiduciaries against claims. Many fiduciaries don’t even realize that their assets are at risk, but if you’re a fiduciary who handles the matters of your company’s employee benefit plans, you must consider fiduciary liability insurance. When losses occur due to errors, omissions, or breach of fiduciary duties, the fiduciaries are the ones who are responsible (although claims can also involve the employer and/or the plan itself). Fiduciaries generally deal with such employee benefit plans as pension and profit sharing, employee stock ownership, health, and welfare plans. This type of insurance is not included in a directors and officers policy.

Claims against fiduciaries can include:

  • Improper advice or disclosure
  • Inappropriate selection of advisors or service providers
  • Imprudent investments
  • Lack of investment diversity
  • Breach of responsibilities or fiduciary duties
  • Negligence in the administration of a plan
  • Conflict of interest with regard to investments


In these days of Internet-fueled companies and schools, many organizations are wary of hackers, stolen laptops and employees who are capable of taking sensitive company information. You don’t have to have a Web site to be at risk; the company network getting hacked could result in just as much chaos.

Cyber liability protects a company’s information. This means protection for personal identity data which is stored in the computers of companies that deal in health or legal care, financial services, education and retail. It also means that a business is covered if their valuable files are hacked into or stolen. This type of protection provides coverage for risks not always found in regular types of insurance, such as directors and officers, crime and property.

In the event that your company information is violated, you should act immediately in order to keep the loss or damage at bay and keep your employees in check. If and when you get hacked or your company’s sensitive information is invaded, you’ll be very relieved that you have cyber liability.

All of your business’s information is vulnerable to hackers. Start protecting your company’s information with our cyber insurance quote.


Environmental insurance coverage is an obvious necessity in the type of operation you run, whether it’s waste management, waste treatment, incinerators or landfills.

Pollution and environmental insurance policies:

  • Environmental Insurance
  • Pollution Liability Insurance
  • Environmental Liability Insurance
  • Pollution Contractors Insurance
  • Environmental Contractors Insurance
  • Asbestos Abatement Insurance
  • Mold Liability Insurance
  • Pollution Liability Insurance
  • Lead Paint Liability Insurance
  • Site-Specific Pollution Insurance
  • Project-Specific Pollution Insurance


Today’s business facilities consist of a lot more than they used to. Electrical supply and distribution systems, boilers that supply heat and hot water and multiple air conditioning units are all common equipment that helps companies run. Equipment breakdown insurance will help protect you against the costs resulting from losses to your facility’s equipment.

Accidents and breakdowns that commonly happen to these kinds of devices are not covered by most fire/property insurance policies. In fact, these policies specifically exclude mechanical breakdown, electrical arcing, and/or damage due to a surge of electrical power and explosion due to centrifugal force.

With equipment breakdown insurance, in the event of an accident or breakdown to equipment, coverage may be purchased for the following:

  • Electrical burnout of motors, electrical distribution equipment (circuit breaker box including facility electrical wiring), and emergency generators and transformers
  • Mechanical breakdown of compressors, pumps, fans, blowers and other machinery
  • Cracking or collapse of air conditioning or refrigeration system vessels, coils or piping
  • Explosion of steam boilers and steam piping
  • Burning (overheating) of boilers due to insufficient water
  • Cracking of sections in cast iron boilers
  • Bulging, cracking or collapse of pressure vessels, such as water heaters, compressed air tanks, steam cookers and kettles, expansion tanks and condensate return tanks
  • The extra cost of expediting repairs
  • Damage to other people’s property in your care, custody or control
  • Losses to property from the release of hazardous substances caused by an accident
  • Business Interruption protection, covering the expenses to get you back on track as soon as possible


Mobile equipment such as loaders, excavators, compactors, cranes and grinders keep your company going. Protecting it is key.

At The Hudson Group, we know that making sure your mobile equipment is kept safe and running is crucial to your company. You don’t want to lose an important piece of equipment (and business) due to a fire, theft or other damage such as collision or rollovers.

Company safety is vital to keeping your mobile equipment safe, but mistakes and accidents can always occur. Would you be prepared if your equipment was involved in an unfortunate situation?

Because we understand your risks and exposures, we can find the right coverage for you. Simply tell us your needs, and we will find the insurance you’re looking for.

Don’t risk losing a valuable piece of mobile equipment (and business) due to fire, theft or other damages.


No matter where you are, you can bring The Hudson Group along for the ride. We offer international health, life, travel and disability insurance to businesses with individuals who have been brought up or are legal residents of the United States, but are temporarily or permanently residing in a another country.

The Hudson Group works for your business — not the insurance companies. We will ensure that you receive coverage that can protect your employees, no matter where they are. Our agency offers a wide range of expatriate insurance plans specifically designed for any expatriates.

There’s a big world out there. Make sure you’re protected.


Trade credit insurance, or simply credit insurance, is a rapidly expanding policy for businesses to rely on in the event of a financial crisis. It also plays an important role in establishing trust and a favorable reputation with banks and traders. Trade credit insurance should not be confused with credit life or credit disability insurance, as it is actually a type of property and casualty coverage.

Businesses are always at risk of losing money and high-value assets as they are dealing with large financial transactions. Trade credit insurance protects these losses due to a debtor’s bankruptcy or insolvency issues. The coverage will take effect in the event that a borrower cannot repay a loan due to financial deficiencies. Credit insurance reduces risks associated with domestic, export, international and sales insurance.

The Hudson Group understands the needs and concerns of businesses to stay protected in this competitive world. Trust us to help find you coverage at affordable prices.


We understand that you must protect yourself from any lawsuits resulting from disputes over the accuracy of contractual representations and warranties.

When you’re involved in a buy/sell transaction, representations and warranties are natural. They build the structure of the transaction and can concern almost anything in it, from financial agreements to accounts receivable, to taxes and employee benefits.

Of course, there is always the threat of your buyer filing a claim against you for breach of contract, which is why it’s wise to invest into a representation and warranties liability policy. This will protect your company (including any specified owners, shareholders, directors, officers and employees) from the claim. We can tailor your representation and warranties liability policy to fit your company’s specific transaction.

At The Hudson Group, protecting your business is our highest priority. You’ve worked hard to get your business where it is – don’t risk losing everything.


Tax laws are complicated. Even accountants and lawyers who have dealt with tax laws for years are not immune from the confusion of such laws and their loopholes. Unfortunately, as a business owner, it’s difficult to file a return or sell your business with the complete certainty that all your tax-related bases are covered. The last thing you need is a lawsuit that results from a faulty transaction, misunderstood tax law or a mistake on your returns.

If you’re concerned about the accuracy of your taxes, a tax liability insurance plan is a great option for your business. Tax liability insurance essentially provides taxpayers with protection against the cloudy areas and inconsistencies of tax laws.

In addition to the basic limits of liability, a tax liability policy may provide:

  • Coverage for local and foreign taxes
  • Coverage for the cost of outside legal advisors or accountants who may be necessary in order to resolve a dispute with tax authorities
  • Coverage for any taxes that may be assessed to tax liability insurance proceeds in the event of a loss and insurance recovery
  • Coverage for any interest and non-criminal fines or penalties that may be required by tax authorities

Take the uncertainty out of dealing with taxes. Get a tax liability insurance quote from The Hudson Group!


Does your business travel unprotected?

Business or corporate travel accident insurance is an essential coverage policy to any company or organization that travels within the country and abroad.

Your church is sponsoring a missionary trip for the youth group to build homes in a third world country. After a successful week building homes and doing charitable work for less fortunate people, a military coup breaks out and your church’s youth group is stranded in a dangerous place. What should you do?

Having a comprehensive business travel insurance plan will give you and your employees the peace of mind they need when traveling on business in the United States and internationally.

Coverage includes:

  • 24-Hour worldwide insurance to, from and during business travel
  • Medical evacuation
  • Out-of-country medical
  • Travel assistance services
  • Identity theft services
  • Kidnap and ransom benefits
  • Delayed or damaged baggage benefits
  • Blanket war risk

The world can be a dangerous place, and accidents happen all the time. Make sure you and your employees/staff are protected next time you travel.

We’ll shop the top carriers to find you the top coverage on corporate travel accident insurance.


Creating or updating an employee benefit program is an essential tool for keeping your staff well taken care of and satisfied. Group benefit plans are any type of plan that provides benefits to plan members as one group, independently of government-sponsored benefits. Group benefit plans are typically sponsored by employers for their employees, but there are others, such as associations and creditors, that sponsor group benefits for their members.

Both employees and employers gain advantage from having a group benefit program. Employer advantages include:

  • Expenditures toward group benefits are tax deductible as a business expense
  • Benefits attract and retain qualified employees
  • Benefits foster a healthy workforce and consequently improve employee morale, productivity and efficiency
  • Benefits can be provided in exchange for monetary compensation

Employee advantages include:

  • No need to use after-tax money to purchase various types of insurance policies
  • Does not usually require an individual to provide medical evidence of insurability
  • Insurance is less expensive to obtain under a group plan than in the individual insurance market

As each company is different and has its own set of challenges, we know that many plans need to be tailored to meet your business’s exact needs. Why not get started today and save on your group benefits plan? Its as easy as 1-2-3!


Group life insurance can make an excellent addition to your employees’ benefit package. Purchasing group life insurance through The Hudson Group will allow you to provide coverage to all your employees under a single contract. Group life insurance is an attractive option for your employees, as it tends to be cheaper than purchasing life insurance independently.

In order to secure the best employees for your company, it’s important to provide them with the best employee benefits. Group life, dental and disability insurance plans will make your employees feel confident that they are protected and well taken care of.

Is your business protected?


Group dental insurance is coverage offered through employers and schools. Carriers often offer low monthly premiums for this insurance because they prefer to sell this type over individual dental care. Because carriers prefer to sell group dental insurance, it’s very comprehensive and flexible – many group plans allow people to cover their families, children, orthodontic work and major dental work, and there are many options to choose from when selecting a policy.


Most people insure their material possessions, like their homes and cars. But many of these same people don’t insure what is probably their most valuable asset – their ability to work and earn income. If your employees become sick or are injured and can’t work, how will they be able to pay their bills and maintain their standard of living?

The Hudson Group provides group disability policies to protect your employees if they are injured. Contact us today to see how we can help find the right disability policy for your business!