Sayles - Industries
Regardless of what you do, what we do is protect your financial future. Below are a few industries we have worked with in the past, but we go well beyond this list to serve a variety of clients and their needs.
Importers & Exporters
As a gateway for importing and exporting around the world, New Jersey boasts five strategically placed Foreign Trade Zones, two international airports and ports at both ends of the State, including the Port Authority of New York and New Jersey, the third busiest port in North America. At David G. Sayles Insurance Services, our team of professionals supports this thriving industry providing importers and exporters with responsive insurance solutions.
We help importers and exporters insure goods against loss and/or damage during transit; and not just to the port or airport, but all the way through to the place of destination with marine cargo insurance. We will review with you the various ways that merchandise can be valued so that at the time of a loss the insurance settlement is appropriate for your needs. Coverage can be extended to include:
- Bankruptcy Expense
- Barge Coverage
- Concealed Damage
- Consolidation Coverage
- Container Demurrage Charges
- Contingent FOB/ FAS/C&F Purchases
- Returned/Refused Shipments
- Shortage from Containers
- Refrigeration Breakdown
Wineries & Breweries
David G. Sayles Insurance Services provides specialty insurance products for the craft beverage industry, which includes wineries and breweries. Our experience in this niche gives us a unique understanding of your business and the diverse exposures you face. For example, if a certain wine vintage is tainted by sour grapes, an unexpected storm causes damage to your continuous still equipment, or a worker is injured while hauling boxes of bottles through a warehouse, we know how to protect you with reliable commercial insurance coverage.
Our portfolio of coverages includes:
- Property
- Equipment Breakdown
- Business Interruption
- Inland Marine
- Crime
- General Liability/Product Liability/Liquor Liability
- Cyber Liability
- Commercial Automobile
- Umbrella Liability
- Workers’ Compensation
- And Specialized Enhancements
To provide you with the right combination of coverages, we will examine your risk. Our staff will meet with you to tour your premises and your various operations, including whether you have wine or beer tastings on your premises. We’ll evaluate the equipment you use on site. We’ll discuss the vehicles used to transport materials or beverages to and from a winery or brewery, and whether employees serve as drivers, or if a business owner hires truck operators on a contractual basis. We will also review your annual business income and receipts to determine the extent of loss you’ll face if you need to temporarily close after a covered loss. These are just a few of the issues we’ll go over with you to put together a comprehensive plan tailored to your operation.
At David G. Sayles Insurance Services, we want to make sure your business insurance is ready to cover a liability, property, or workers’ compensation loss and that your assets are protected.
Manufacturers
Our disciplined approach, experience and integrity at David G. Sayles Insurance Services throughout the years have manufacturers in New Jersey counting on us for their insurance program. We offer tailored programs for manufacturers in apparel, electronics, food, glass, paper products/packaging, plastics, and rubber – to name a few. We have access to programs for a wide range of shops – from start-ups to companies with difficult product liability risks.
FULL PROTECTION FOR MANUFACTURING SHOPS
We can secure stand-alone policies, or provide a package policy of combined coverages or a Business Owners Policy that encompasses essential coverages with endorsements, or add-ons, that respond to specific company needs. We’ll design a tailored insurance program that includes the following coverages to address the wide range of risks you encounter.
- General Liability
- Product Liability/Product Recall
- Pollution Liability
- Business Automobile
- Commercial Umbrella
- Commercial Property Insurance
- Equipment Breakdown
- Coverage for Computer Systems
- Coverage for Raw Stock, Finished Goods in the Shop or in Transit
- Business Interruption
- Contingent Business Interruption
- Off-Premises Power Failure
- Crime
- Property (Tools and Dies) of Others
- Selling Price Coverage
- Employment Practices Liability
- Workers’ Compensation
Our product offerings can also include long-tail coverages, in case illness or injury caused by your product manifests itself far into the future.
Non-Profits
From community action agencies to charter schools and religious entities to charities, clubs and societies, each non-profit organization is in unique. Whether you work with vulnerable populations, depend on volunteers, hold fundraising events, are responsible for children, transport the elderly, employ social workers, or other activities, your insurance needs are specific to your operations. At David G. Sayles Insurance Services, we understand this and provide tailored insurance coverage to address your operation and unique exposures.
PEACE OF MIND INSURANCE FOR YOUR NON-PROFIT
Our total insurance solution for non-profits includes general and industry-specific coverages to protect against property losses and liability claims.
- General Liability
- Professional Liability
- Molestation & Sexual Abuse Liability
- Commercial Auto Insurance/Non-Owned Auto
- Directors & Officers Liability
- Employment Practices Liability
- Commercial Property
- Equipment Breakdown
- Inland Marine for Portable Equipment
- Business Interruption
- Crime & Employee Dishonesty
- Workers’ Compensation
We will put together a program for you that will take care of your insurance needs today and moving forward. Our staff is passionate about helping to protect non-profits to ensure that you’re able to continue to do great work within our communities in New Jersey and the surrounding areas.
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