Lester & Smart, Inc.

Property	Property Insurance covers loss to your property which you may own or are responsible for. It includes commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.
General Liability	General Liability insurance protects an insured party agaisnt injury or damage claims made by other parties. Policies provide coverage for liability arising out of: premises and operation, fire damage liability, personal and advertising injury, medical payments, products/completed operations.
Workers' Compensation	Workers' Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases which are unique to the occupation are covered. Worker's Compensation provides for the payment of four types of benefits: Medical, Income, Death, and Rehabilitation.
Commercial Automobile	Commercial Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Commercial Auto coverage may be used to insure private passenger atuos and all types of trucks, trailers, semi-trailers, and commercial vehicles designed for use on public roads.
Umbrella	Commercial Umbrella provides excess coverage in the event that a liablility claim is large enough to exhaust the limits of the general liability, product liability, or commercial auto policy.