Business Insurance

Whether your business is large or small, we have a variety of programs to meet your goals. We can tailor a program to cover your specific situation.

Competitive Rates: We have many companies that have developed special programs which have low rates for most businesses.

Loss Control Programs: We represent companies that will come into your business, evaluate your current conditions and recommend ways to cut losses.

Quick Claims response: Automated claims systems allow adusters immediate ccess to claims information, letting them bring quick resolution to your claim.

Flood insurance is not covered under business property insurance. A separate flood policy is required for flood damage.
Insurance coverages available for our business clients include:

Workers' Compensation
General Liability
Products Liability
Property Coverages (Buildings and Personal Property)
Business Automobile and Truck
Crime Coverages
Business Interruption
Umbrella Liability
Professional Liability
Employment Practices Liability
Directors and Officers Liability
Pollution Liability
Foreign Liability
Contractors Equipment
Motor Truck Cargo
Builder's Risk
Inland Marine
Ocean Marine
Contract Bonds
Boiler and Machinery
Aircraft
Group Life and Health
Group Disability Income
Key Man Life

What Can Be Covered:

You may already have small business insurance or may be planning to purchase it at some time in the future. In either case, it is important to understand the coverage a particular policy offers, so don't forget to read the fine print. Below is a list of coverage options typically offered with small business insurance.

Business property coverage:

Your business may own property which can suffer a loss from many perils. Perils are things which can cause a loss, like fire, smoke, hail, wind, theft, vandalism, and some forms of water damage (i.e. roofs leaking, sudden breaking of pipes). Insurable property includes buildings, office equipment, inventory, signs, glass, and tenant improvements to the building (if you rent or lease).

Business interruption coverage:

If your business suffers a property loss it could cause the business to slow or close down while repairs are made. This may mean a complete or partial revenue loss depending on the timeframe and the damage. From the time the loss occurs until your business is running again, insurance can replace your lost profits, and provide a source of money to pay your necessary continuing expenses, like rent, payroll, taxes, etc.

You can also buy insurance to cover any extra expenses incurred in getting your business back into operation. It may take a while once you re-open for customers to discover you are back in business, which may hurt your bottom line. To meet this need, insurance companies offer coverage for the difference between your "before loss" business income and your "after loss" business income for a month or more while you regain your customers.

Crime coverage:

Property policies usually don't cover the loss of money and securities, and exclude many crime-related losses. However, you can purchase crime coverage, which includes: money and security coverage - pays for money and securities taken by burglary, robbery, theft, disappearance, and destruction.
employee dishonesty coverage - pays for losses caused by most dishonest acts of your employees, such as embezzlement and theft.

Compensation coverage:

This is a package of coverages, which protects you and your business from lawsuits arising from: Accidents causing bodily injury to other people (a customer trips and falls in your shop)
Accidents causing property damage to other people's property (you sell a toaster to a customer which malfunctions and causes fire damage to their home)
Personal injury such as invasion of privacy, wrongful eviction, libel, slander, or false arrest or advertising injury such as copyright infringement or false advertising.

Compensation coverage also includes commercial general liability insurance which pays for the cost of legal defense including providing an attorney, paying court costs, and any settlements or judgements against the business. As always, the dollar amount of coverage depends on the terms of your policy.

Vehicle coverage:

Your business may own vehicles which can be damaged, or cause harm (bodily injury or property damage) to others. You may also need non-owned and hired auto liability coverage for vehicles your employees use or that you rent or borrow, particularly if your business does not own a vehicle. Commercial auto insurance can cover these risks, including providing you an attorney, covering court costs, and payment to injured persons.

Workers' compensation coverage:

Employees can be injured while working for the company. Almost every state requires by law that employers carry some form of workers' compensation insurance, which pays the injured employee's medical bills, a portion of lost wages, vocational rehabilitation, and death benefits.

Group insurance coverage:

To help attract and retain quality employees consider offering them group health, life, and disability insurance. Group health pays for medical services for injuries and illness sustained away from work. Group life pays an employee's beneficiary in the event of his or her death. Group disability pays the employee in the event they are disabled for an extended period of time. As a business owner, you may choose to be covered under the group benefits.

Please contact us for a quote or additional information