Business Insurance Solutions
Whether you are a seasoned business owner or looking to start a business for the first time, it’s important to make sure your business is protected. Business Insurance covers things like Workers Compensation (helping an employee claim compensation for a work-related injury) and Commercial Auto Insurance (covering your company cars). We offer multiple options for covering business property such as the building itself or damages due to theft, flood, etc., as well as liability insurance in case of a lawsuit. These are all critical things to consider when looking to insure your business, and we are here to help. Read more about each coverage to see what policies could help your business. If you can’t find what you’re looking for, check out our Specialty Insurance Solutions for more options.
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Business Property
Your office is the hub of your business and is an important asset to protect with Building Coverage if you are the owner, but what about everything else that makes your business run? From computers to coffee makers and valuable papers to income, your business is so much more than just an office. Being prepared for fires, floods, earthquakes, theft, and other threats that can damage both a building and its contents is important to think about when choosing insurance and looking into protecting your Business Personal Property.
Natural disasters aren’t the only problem to think about though, and we’re ready to protect and bring you peace of mind in multiple areas. Equipment traveling to your location or during installation can be covered with Floater Coverage, and goods being shipped can be protected with Transit Coverage. We provide protection for construction projects, building code upgrades, and even if something happens to a supplier you depend on for income. Even with a loss of income, we’ll still have you covered with a Business Interruption policy. With so many options to protect the various categories of business property, we’re here to help you find the right policies for your business. Download resource.
Commercial Auto
If a vehicle is used for any business-related task, from carrying supplies to carrying clients, Commercial Auto insurance is an important thing to consider. Commercial Auto insurance covers the liability and physical damage caused in the case of an auto accident. Liability is a fancy term for being responsible for something and held accountable for it by law. When you are found at fault for accidentally damaging someone else’s property or causing bodily injury (in this case, usually a car accident), liability insurance covers you by paying for the damages to the other person.
While Commercial Auto insurance can cover liability if someone else’s vehicle is damaged, it can also help if your own company vehicle is damaged. Covering the physical damage to your own automobile is just as important to make sure repairs are paid for and your vehicles can get back to work quickly. We offer various deductible levels for physical damage, and every repair cost after a deductible is met is covered. If you own 1 or 100 vehicles or even if you’re hiring one, we’re here to help you through the process of insuring your company vehicles. Download resource.
Commercial General Liability
Liability is a fancy term for being responsible for something and held accountable for it by law. When you are found at fault for accidentally damaging someone else’s property or causing bodily injury, liability insurance covers you by paying for the damages to the other person. Usually, liability insurance can be purchased with different dollar limits, and the policy will pay any claims you are found liable for, sometimes subject to a deductible depending on the type of policy.
We offer different policies such as Comprehensive General Liability Protection which covers business operations, products, and even independent contractors. Another example is Employment Practices Liability Protection which covers wrongful termination, invasion of privacy, breach of contract, etc. Liability insurance plays an important role in business ownership, and we’d love to help you find which policy is right for you. Download resource.
Crime
A bank robbery is the first thing that comes to mind when thinking about Crime insurance, but there are a number of other threats to think about and cover. In the case of employee theft, an Employee Dishonesty policy covers financial loss from an employee stealing money, property, etc. The Employee Retirement Income Security Act (ERISA) protects benefit plans and retirement funds from fraud. Our Money & Securities policy provides coverage for stolen or lost money or securities (such as stocks and bonds) whether they are impacted by theft, fraud, forgery, or embezzlement. Crime is real and being prepared is necessary. Download resource.
Umbrella/Excess Liability
Having insurance is a great idea, but what if something over the top happens? What if your policy’s limits are used up? What then? That’s where Umbrella/Excess Liability insurance comes in. In case the limits of your primary home, auto, or other policies are reached, you can purchase additional limits in the form of an Umbrella/Excess Liability policy. Download resource.
