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Whether you're a sole proprietor, the manager of a small
business or the risk manager for a large corporation, Carlisle
Fields and Company has the experience and staff to develop an
insurance program to fit your needs.
We don't sell insurance - we design a comprehensive plan
that takes into consideration where your enterprise is now
and where you want it to go. Risk analysis, annual insurance
reviews and business continuation plans are all a part of
the Carlisle Fields and Company commercial insurance strategy
designed to deliver the piece of mind insurance is meant
to provide.
While most insurance agencies are generalists, we at Carlisle
Fields have developed specialties in a number of business
sectors and professions. This expertise has been honed by
years of shoulder to shoulder work with our clients. The
results of these efforts have paid off with the most thorough
and competitive insurance programs in the industry.
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Hotels, Resorts & Spas
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As a member of Group 500, a national association of independent
insurance agencies, Carlisle Fields and Company has a number of
insurance programs germane to the hospitality industry.
Our premier program, covers the entire range of properties from
a medium sized hotel to a large resort or spa property and is
endorsed by the California Lodging Industry Association. Hotel
franchises presently insured through this program include
Marriot, Hyatt, Hilton, Doubletree, Sheraton, Ramada, Embassy
Suites, Quality Inns, Howard Johnson and many more.
Coverages include Blanket Property, DIC, Business Income -
including business income loss resulting from flood,
windstorm and earthquake, Law and Ordinance, Boiler and
Machinery, Glass, Signage, Golf Course Property, liability
including liquor and spa professional coverages.
Umbrella limits are available to $100 million if required.
Beachfront properties are our specialty.
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Country Clubs
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With over a decade of experience in insuring country clubs,
Carlisle Fields and Company is a recognized leader in this
specialized field. Our highly trained staff of commercial
underwriters, claims specialists and carriers can address any
public, private or equity country club.
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Manufactured
Housing
Communities
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Whether traditional rental parks or resident owned communities,
Carlisle Fields has developed the expertise to properly analyze
and insure exposures to loss. We have also become crucial to
our insureds in negotiating with lenders on new purchases and
refinancing. As members of the Florida Manufactured Housing
Association, we keep abreast of the issues and legislation
affecting these communities and the industry in general.
We also represent or otherwise have access to all of the major
insurance carriers active in insuring manufactured housing
communities and consequently are able to obtain the best pricing
and coverages on the market.
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Dentists
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The Cincinnati Insurance Company is today recognized as one of
the top carriers insuring the dental community. Cincinnati is
one of the few, if not the only carrier offering a true
"occurrence" type professional liability policy and has proven
to be the standard to beat when it comes to insuring the dental
professional.
Cincinnati offers the most competitive rates and a three-year
guarantee, a feature almost unheard of in the marketplace
today.
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Houses Of Worship
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Carlisle Fields and Company represents two of the top insurers
of churches, synagogues and mosques, which is why we insure over
two hundred houses of worship throughout the eastern United
States.
In addition to property and liability coverage, Carlisle Fields
and Company offers vital coverages for Sexual Misconduct
Liability, Ministers Professional Liability, Teachers
Professional Liability and Directors and Officers Liability.
All with our competitive rates and three-year rate guarantee.
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Restaurants
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Carlisle Fields and Company has been very active in developing
insurance programs for restaurants, a natural outcome from our
proximity to the tourist economy of our home state. This
specialty has created relationships with the leading carriers
for this market who aggressively price their restaurant products.
Liquor Liability Coverage is readily available at competitive
pricing. Spoilage coverage, non-audited liability policies and
a number of other specialty packages are available to the
restaurant owner seeking to protect their assets and business.
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Brew Pubs & Microbreweries
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One of the newest entries into the foodservice industry, brew
pubs and microbreweries present insurance challenges unique to
the market. Carlisle Fields and Company has developed an
extremely cost competitive program designed specifically for
this category and has become an industry leader with clients
from Key West to Pensacola.
Coverages include property, liability, liquor liability, food
and beverage spoilage, product recall and business income loss
resulting from food borne illness. As a member of Group 500 and
the Florida Brewers Guild, Carlisle Fields and Company has
access to a number of exclusive insurance products tailored for
this business segment.
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Alternative Risk Financing/Captive Insurance Companies
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At one time, the concept of captive insurance companies for
smaller businesses (premiums up to $150,000) was almost unheard
of. Today, the captive insurance company concept can make sense
for the right business.
Firms who are financially secure, with a strong history in loss
control and safety, can reduce their insurance costs
dramatically through "non traditional" methods. In fact, these
alternative methods of insurance have captured upwards of 48% of
the business that was served by traditional markets.
Carlisle Fields and Company has proven able to develop these
programs for firms where a captive plan may be a more
appropriate and economical insurance solution. With access to
seven captives (and growing), we can usually find the right
solution for the business that qualifies.
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