Business Specialty Insurance

Drone Insurance Programs

If You Fly Drones for Commercial or Personal Use, Clark Has You Covered.

Clark Insurance has solutions for personal and commercial owners and operators of UAV/UAS aircraft as well as coverage for the vehicle(s) in Maine, New Hampshire, Massachusetts and most of the Eastern United States.

For commercial drone (UAV/UAS) owners, business liability insurance coverage is essential for the potential bodily injury and property damage claims associated with operations.

For personal drone operators, having excess liability insurance coverage with high limits is highly recommended. Also, just a reminder that any UAS weighing more than .55 pounds must be registered with the Federal Aviation Administration (FAA).

Claims that a drone hurt or is alleged to have hurt someone or someone’s property begins a potentially long and expensive legal battle over liability. Imagine having a claim that your UAV distracted or struck a driver on the interstate and caused a multi-car accident. Defense costs, alone, could run into the tens of thousands of dollars.

Operators also need to consider claims of privacy invasion and trespass. Whether they are valid or not, the cost of defense can be burdensome beyond one’s imagination.

In addition, the value of your own property needs to be covered particularly when expensive recording equipment is involved.

Call us today at (207) 774-6257 for more information on insurance coverage for drones.

Lobster Boat Insurance

Your Boat is Your Business. Making Sure You’re Covered is Ours.

If a boat survey is required for our Lobster Boat Program, you be charged a reduced one-time $200 survey fee with all future company-required surveys at no additional cost. Coverage for lobster boat owners includes:

• Perils of the seas such as stranding, sinking, striking a submerged object and heavy weather
• Fire, lightning and explosion while in designated waters
• Breakage of shaft or any latent defect in the machinery or hull (excluding the cost and expense of replacing or repairing the defective part)
• Negligence of master, mariners, engineers or pilots (provided the loss or damage is not the result of a lack of due diligence)

Protections & Indemnity Insurance

Protection & Indemnity insurance can help cover:

• Property damage or bodily injury to others
• Perils to your crew (loss of life, personal injury, illness)
• Legal expenses in the event a covered accident results in a lawsuit

Claim service for lobster boats is offered by seasoned field adjusters, appraisers and personnel with years of marine experience. Getting your claim settled quickly and putting you back on the water is our objective.

The Clark Insurance Lobster Boat Program is easy to access. Just call Dave Nadeau in our Portland, Maine office at (207) 774-6257.

Furriers Insurance

Your business deserves a customized furrier insurance package.

While each package will be different, there are a variety of coverage options and policies to choose from, including:

• Furriers Block Coverage which protects your fur inventory in transit, on your property, in show windows, at trade shows, etc.
• Furriers Customers Coverage in order to cover claims involving customers’ furs that you have on your premises for storage, cleaning, alterations, and other repairs.
• Loss of Accrued Charges provides protection for income from storage, cleaning, or repairs that you were unable to collect due to a fire or other covered incident.
• Excess Legal Liability Coverage which protects your business if a covered loss requires you to pay a higher amount than expected on a customer’s receipt.