Carastro Insurance Consultants

Commercial Liability

Protect your business from the unknown.  General Liability, Excess or Umbrella Liability, Employment Practices Liability Insurance (EPLI),  Directors and Officers Liability

General Liability, a standard insurance policy issued to business organizations to protect them against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations; and advertising and personal injury (PI) liability.

Umbrella insurance refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies.

Employment practices liability insurance, known in the trade as EPL insurance or EPLI, provides coverage to employers against claims made by employees alleging discrimination (based on sex, race, age or disability, for example), wrongful termination, harassment and other employment-related issues, such as failure to promote. 

Directors & Officers (D&O) Liability insurance helps cover defense costs and damages (awards and settlements) arising out of wrongful act allegations and lawsuits brought against an organization's board of directors and/or officers. These types of claims have become increasingly common and directors and officers themselves could be held personally liable. T


Commercial Property 

Whether you own your building, lease your office space or work from home – we have a plan to protect the physical assets of your business. We can help you determine the correct amount of insurance on your building and avoid a coinsurance penalty. 


Work Comp

Keep your employees and your business protected.  Pay as you go work comp programs available. 


Group Health Benefits 

We offer a variety of fully insured and self-funded plans to protect your employees and their families.  Our policies offer a range of co-pays, deductibles and limits with multiple prescription options.  The coverage available under these plans include medical, dental, life and disability.


Payroll Services 

Payroll processing, Tax Payments & Filings, New Hire Reporting, HR Support and more.