Specialty Insurance Services

Cover Your High-Risk Exposures with Our Specialty Insurance Solutions!

Whether it’s protecting you from flood and windstorms, serving businesses with hard-to-place products and liability risks, or providing extended coverage beyond your standard policies, we have you covered at GrayStone. We embrace the opportunity to write for businesses with difficult-to-cover exposures and high-hazard operations.

GrayStone Insurance Group can help you rise above and beyond limitations with our specialty coverage available for every risk and any industry.

Partner with us for the unmatched insurance experience.

Employment Practices Liability Insurance Image

Employment Practices Liability Insurance (EPLI)

With employment-related claims increasing and settlements getting expensive, protecting your business against such incidents is essential. Our customized EPLI insurance coverage protects your business by paying for damages and defense costs incurred from employees claims, including allegations of:

  • Wrongful termination
  • Harassment
  • Discrimination
  • Failure to promote
  • Retaliation
  • Other employment-related issues

Umbrella / Excess Liability Insurance

Extended coverage covers claims exceeding your standard insurance coverage limits. Our comprehensive umbrella insurance protects you, your family, and high-prized assets beyond your basic policy limits. It pays for:

  • Third-party bodily injury and property damage
  • Lawsuits and other legal expenses

Liquor Liability Insurance

Businesses (restaurants, bars, caterers, wineries, etc.) that make, sell, distribute, or serve alcohol are prone to liability claims, including bodily injury and property damage. This form of coverage is not usually included in basic general liability coverage. However, our liquor liability insurance can help get reimbursements for expenses incurred from:

  • Legal costs
  • Medical bills
  • Settlements or attorney fees
  • Repair costs
Assault and Battery Insurance

Assault and Battery Insurance

This coverage can financially protect your business from injuries, assaults, physical conflicts, and certain other types of incidents that your business might face. Our all-inclusive assault and battery insurance protect your business against several claims:

  • Bar fight injuries
  • Mugging
  • Sexual harassment and assault
  • Troubles caused by unwanted guests
  • Emotional trauma and non-physical violence sustained by witnesses

Workers’ Compensation Insurance

As an employer, you need to keep your employees safe, and we can help you do that. Our customized workers’ compensation insurance provides financial benefits to your employees injured at work while protecting your business from lawsuits resulting from such incidents. It covers:

  • Medical bills
  • Disability expenses
  • Lost wages
  • Ongoing care costs
  • Death benefits
  • Legal expenses incurred by the employer

Products-Completed Operations Insurance

Our products-completed operations coverage plan protects your business from any liability claims that result from your product or completed operations (away from your location). It pays for:

  • Bodily injury
  • Property damage
Hired and Non-Owned Auto (Delivery) Insurance

Hired and Non-Owned Auto (Delivery) Insurance

Whether you or your employees use rented vehicles or your employees use their vehicles occasionally to complete business operations, you should have the right insurance coverage to ensure you both are covered while on the roads. Our hire and non-owned auto insurance protect you and your employees from at-fault accidents while paying for:

  • Third-party bodily injury and property damage
  • Lawsuits

Commercial Auto (Owned Auto) Insurance

Accidents can happen anytime! However, our personalized commercial auto insurance protects you and your vehicle against financial losses incurred from accidents while providing:

  • Bodily injury liability coverage
  • Collision coverage
  • Property damage coverage
  • Medical payments or personal injury coverage
  • Uninsured/underinsured motorist coverage
  • Comprehensive physical damage coverage

Windstorm / Hail Insurance

Destructive hailstones and catastrophic windstorms can wreak havoc on your property and belongings. Fortunately, our windstorm/hail insurance protects your home and valuables from such incidents while paying for the losses incurred from the damage. It provides:

  • Dwelling coverage
  • Other structures coverage
  • Additional living expenses
  • Debris removal coverage
  • Increased cost of construction coverage
Flood Insurance Image

Flood Insurance

If you live near a flood-prone area, you may have several to consider safety measures, with flood insurance being the primary one. Our flood insurance is designed to protect your home and personal belongings from various types of water damage, including heavy rain, severe coastal storms, melting snow, hurricane storm, and a river overflowing its banks. It pays to fix repaired or damaged:

  • Appliances
  • Heating and air units
  • Carpet and flooring
  • Cabinets
  • Electrical and plumbing

Directors and Officers (Associations) Insurance

It protects your business and its leaders (directors and officers) from lawsuits filed by employees for misrepresentation of company assets, non-compliance with workplace laws, fraud, breach of fiduciary duty, etc. It covers:

  • Legal expenses
  • Settlement costs

Crime Insurance

No matter how well-prepared, businesses are vulnerable to crimes resulting from thefts and fraud. Our crime insurance is tailored to protect your company from employee theft, third-party fraudulence, impersonation fraud, and theft of property from the premises. It covers:

  • Loss of money
  • Security devices
  • Other assets, including properties
General Liability (Lessors Risk) Insurance Image

Additional Property Coverage

Though you keep your rented property in good condition with regular maintenance, you cannot completely avoid risks or damages through preventative measures alone. That’s where our additional property coverage insurance can financially safeguard you. It protects landlords from damages caused to rented properties and claims beyond a typical General Liability coverage. It covers:

  • Slips, falls, and trips
  • Theft or vandalism
  • Fire or smoke damage
  • Damage caused by wind, snow, and hail
  • Water-related damage, e.g., damage caused by sewer backups, burst pipes, etc.
  • Loss of digital information (when tenants worked on the landlord’s computer)

See the GrayStone Difference

GrayStone Insurance Group is committed to providing customized insurance solutions for risks and properties that standard insurance groups won’t cover. Our dedicated insurance professionals will work with you to thoroughly understand your business and write customized coverage.

Unlike other agencies, we never compromise on coverage. We educate clients on the exposures and risks they have and the available options to minimize them, helping them make an informed decision.

Cover your high-risk exposures.

Contact us today at info@graystonetx.com or call us at 866-988-3709.