Specialty Insurance

Nonprofit | Pollution Liability | Sports, Fitness, and Recreation | More

Al Torstrick Insurance Agency offers specialized insurance advice to a wide range of industries. We excel in providing complete nonprofit, pollution liability, sports, fitness, and recreation, and child care insurance solutions.

The agents at Al Torstrick Insurance Agency understand the complexities of Lexington business insurance. Contact us today to schedule a comprehensive insurance review and find out what we can do for you.

If you operate a nonprofit, you need the assistance of qualified insurance agent that understands the needs of 501(c)3 organizations.

Al Torstrick Insurance works with insurance companies who offer specialized coverage to insure you, your board of directors, your volunteers and the people you serve.

The good work perpetuated by your nonprofit can be endangered by a number of risks. With the right insurance coverage, you can keep up the good fight without losing sleep over a disaster or potential lawsuit.

Pollution Liability

Pollution insurance hasn't always been a significant issue. In fact, general liability policies used to include pollution liability clauses. But in the 1970s, with all of the asbestos problems, most insurance companies removed any reference to pollution liability from their general policies. Today, separate pollution coverage policies are now available. Environmental liability insurance is now available to cover any pollution issues that might affect your business.

You may think that your business is too small to worry about pollution insurance. Think again. Even dry cleaning companies and hair salons are at risk of pollution liabilities when they store or dispose of their various chemicals. Call our specialist, Mike Johnson, for more information.

One of the most important things you do each day is help children, families, and individuals enjoy safe and unique sports and leisure activities. But it’s just as important to make sure your business or event is properly protected so you’re equipped to handle unexpected situations that may cause damage to your property or injury to your customers, players, or spectators. Our customized programs are designed with specialty coverages for:

  • Amusement centers
  • Athletic camps
  • Batting cages
  • Bowling centers
  • Fitness Centers
  • And more
Child Care

There’s nothing more important than taking care of children…except maybe taking care of the people who take care of those children. Al Torstrick Insurance specializes in day care insurance programs that are specifically designed for the child care industry. Most of our programs include child care professional liability and abuse and molestation liability. We can help you design an insurance program to fit your day care or child care needs.