Business Insurance

Property, Casualty, Management and Employee Benefits insurance programs. While we have focused expertise for  Agribusiness, Contractors, Energy, Entertainment, Developers and Family Offices. Our business owner’s policies can be designed to meet the needs of almost any small business.

Personal Insurance

Personal lines insurance for every family and every lifestyle

Group & Individual Benefits

Group Benefits

  • Health
  • Disability
  • Life
  • Dental
  • Vision
  • Voluntary and Portable
  • International Travel Insurance (Employee Benefits do not follow your people out of the country)

Individual Benefits

  • Health
  • Disability
  • Medical Discount Cards
  • Life
  • Vision
  • Dental
  • International Travel Insurance (Your health plan does not follow you out of the country)

Real Estate Owners Developers

Real Estate Development is a highly speculative venture that requires the best team with varied understandings of the tasks and risks at hand.

Busby-Stone Risk Management has help property owners and developers arrange insurance and sub-division bonds that meet the needs of the project without over burdening its budget.

Busby-Stone Risk Management will not only design and place the insurance coverage we will assist you and your attorney in drafting insurance and indemnity language to be included in the construction contract. Preparation is the key to a successful development, put the risk management and insurance task on the front burner of your project and the likelihood of a successful venture will increase dramatically.

Has your land sale just come to a halt because of a bad Phase 1-2 or 3 report?

Don’t let the pollution you did not plan of finding take the wind out of your sails. We can help facilitate increased sales price of contaminated land whereby the purchaser or seller transfers 100% of the Bodily Injury, Property Damage, Clean-up, Both ON and OFF site away from the other.

Property Insurance

Buildings and Personal Property Coverage Forms

  • Building
  • Business Personal Property
  • Personal Property
  • Improvements and Betterments

Condominium Coverage Form

  • Condo-Unit Owners Coverage

Commercial Output Policy

  • Manufactures
  • Agricultural – Grower Shipper – Packer “From field to Grocer” your perishables are covered.

Building and Personal Property Coinsurance

  • Percentages – NONE 80% / 90% / 100%

Alternatives to Coinsurance

  • Functional Replacement Cost
  • Agreed Value
  • Peak Season
  • Reporting Form

Optional Property Coverages

  • Boiler and Machinery
  • Legal Liability

Optional Property Endorsements

  • Additional Debris Removal
  • Ordinance or Law
  • Outdoor Trees, Shrubs and Plants Enhancement
  • Replacement Cost Valuation
  • Spoilage
  • Utility Services-Direct Damage

Time Element Coverages

  • Business Income with Extra Expense
  • Coinsurance Percentage options 80% 90% 100%

Alternatives to Coinsurance

  • Agree Value
  • Maximum Period of Indemnity
  • Monthly Limit of Indemnity
  • Premium Adjustment

Optional Time Element Endorsements

  • Business Income from Dependent Properties
  • Ordinance or Law Increased Period of Restoration
  • Utility Services

Property and Time Element “Causes of Loss”

  • Basic
  • Broad
  • Special – formally known as “All Risk”
  • Earthquake
  • Flood

Inland Marine Coverages

  • Accounts Receivable
  • Commercial Articles
  • Contractors Equipment
  • Difference In Conditions – DIC
  • Electronic Data Processing
  • Fine Arts
  • Goods in Transit
  • Miscellaneous
  • Signs (Neon and Electric)
  • Valuable Papers and Records

Management Liability Insurance Programs

Director’s and Officers’ Liability

  • Publicly Traded Company – SEC Coverage
  • Private Company
  • Non Profit

Employment Practices Liability

Fiduciary Liability

Employee Benefit Liability


Kidnap and Ransom K & R

Professional Liability / Errors and Omissions Liability

Environmental Consultants E&O

Environmental Insurance

Optional Liability Coverage:

  • Premises Liability
  • Liquor Liability
  • Owner’s & Contractor’ Protective – “OCP”
  • Contractual Liability
  • Railroad Protective
  • Products Completed Operations
  • Personal and Advertising Injury
  • Transfer of Rights of Recovery Against Others To Us ala: Waiver of Subrogation – Manuscripted to meet your contractual requirements
  • Additional Insured Endorsements – Manuscripted to your contractual requirements


  • On-site / Off-site bodily injury – property damage – clean up
  • First Party and Third Party Coverage
  • Call us and ask about our incredible strategy for purchasing/selling polluted property at severe discounts/premiums while releasing/retaining seller/buyer of all pollution liability.

Business Auto and Trucker Policies

  • Liability
  • Physical Damage
  • Uninsured Motorist
  • Underinsured Motorist
  • Hired Cars and Trucks
  • Non-Ownership Auto
  • Personal Injury Protection P.I.P. / No Fault
  • Garage keepers

Commercial General Liability

Commercial General Liability or CGL

Commercial General Liability Insurance has become more complicated. In spite of the language simplification initiative in 1986 the insurers have created more and more endorsements that make complying with contractual obligations more difficult.

Our experts have spent thousands of combined hours in the classroom obtaining various professional designations. This education and experience enables us to design a cost effective program to assure you are not at risk for breach of contract lawsuits arising out of non compliant insurance coverage.

Types of Liability Insurance Coverage

  • Premises
  • Products Completed Operations
  • Personal and Advertising Injury
  • Fire Legal
  • Medical Payments

Additional Named Insured Coverage provided by endorsement and automatically where required by written contract.

Waiver of Our Rights to Transfer aka: Waiver of Subrogation provided by endorsement and automatically by written contract.

Limits of Insurance

  • Per Occurrence – The maximum amount paid for one accident.
  • Per Aggregate – The maximum amount paid for all accidents during the policy period.
  • Aggregates can be extended to each of your locations or each of your projects by endorsement.
  • Defense costs can are usually in addition to the policy limit and unlimited. Check your policy carefully for more restrictive terms.

Agriculture Insurance

The agribusiness has changed dramatically in the last fifteen years, so have the strategies for managing risk associated with a multi-state or country farming or dairy operations. Busby-Stone Risk Management, an Acrisure Agency Partner and twelfth largest broker in the United States has the insurance and risk solutions to fit your particular need.

Commercial General Liablity and Farm Liability coverage are arranged to cover the corporation as well as individuals.
  • Premises Liability Exposures
  • Products Completed Operations Exposure
  • Personal and Advertising Injury
  • Pollution Coverage for both On-Site and Off-Site Exposures
  • Pollution Damage for Aerial Over Spray both Bodily Injury and Property Damage to People or Crops of Others .
  • Limited World-wide Coverage
  • International Insurance Programs covering your operations anywhere in the world 24/7 regardless of where the lawsuit is filed.