WS Pharr & Company serves the commercial insurance needs of medium to large companies, offering the following coverage solutions:

• Commercial Property Insurance covers company-owned buildings and the contents within. Property insurance policies are written as either standard or special, which provides more comprehensive, often industry-specific, coverage. Commercial property insurance also includes Business Interruption,  Builders Risk, Boiler & Machinery, and Inland Marine coverage.
• Commercial General Liability covers a company's legal responsibility for any harm caused to others as a result of its employees actions, or inaction, in the course of business operations. Harm is defined as bodily injury or property damage due to defective products, faulty installation, or error in services provided. Additional types of commercial liability insurance include Directors & Officers (D&O), Errors & Omissions, Fiduciary Liability, Employment Practices Liability, Professional Liability, and other Umbrella Liability coverages.
• Worker's Compensation protects employers from lawsuits resulting from workplace accidents. It covers medical expenses and lost income for employees hurt in workplace accidents by providing payment to injured workers without regard to who was at fault.
• Other commercial coverages include Crime Insurance, Kidnap & Ransom Insurance, Cyber Insurance, Fidelity Insurance, Pollution Liability, and Automobile Insurance.

WS Pharr client service teams provide industry-focused service in the following market sectors: