Business Insurance

Property insurance protects against loss or damage to your business’ physical assets. That’s why business property insurance is such an important investment in ensuring the strength of your business. Whether you own your building, lease your workspace or work at home, property insurance has you covered.

A lot of things can go wrong, things you might over never planned for. A fire hits your business, and now no one can enter the building, property insurance pays to get your building back in working order. Even if that fire destroys all your office equipment it will also be covered. Let us tailor a property insurance plan that works for your business’ needs.

Liability insurance protects your business when it’s sued for negligence. As a business owner you know there are many variables that can come with owning a business. You are liable for unintentional accidents, mistakes or injuries in which you or your employees may be involved in. Business liability insurance helps you with the costs of legal defense and legal damages. It covers medical expenses, attorney fees and damages when you are legally responsible and other expenses you might have never thought of.

Anyone who comes in contact with your business can file a claim or lawsuit against you. Someone can trip and fall, and now needs money for medical bills, business liability has you covered. A client purchases a product of yours and it proves defective, and you have to pay for attorney fees and damages, business liability has you covered. You have a disgruntled ex-employee who is bringing legal action against you, again business liability has you covered.

Every business is different, let us put together a business liability program that works best for you business.

Workers’ compensation insurance is vital to protect your business and in most states is mandatory. It will cover injuries or illnesses when they occur as a result of duties performed on the job or while at work. Some of the injuries that would be covered include injuries caused by lifting heavy equipment, slipping on a wet surface, or injuries because of fires or explosions. Protect your business from a lawsuit and your employees from loss of income. Contact us to tailor a worker’s comp plan that works best for your business.

Your personal car insurance policy doesn’t cover vehicles used by your business, which is why commercial auto coverage is important. If you use vehicles to provide your employees a way to get around, or to move equipment and/or products you need commercial auto insurance. Protect against traffic accidents, vandalism, or even if an uninsured driver hits your vehicle.

Commercial auto coverage insures against property damage to vehicles and damage caused to others by those vehicles. We can cover any commercial vehicle from a business car, van, semi trucks, even a dump truck. Let our experts put together a policy that helps protect your business’ investment.

Business interruption insurance keeps your business from any losses or damage to the cash flow and profits of a business because of an interruption. If something happens where you can not operate your business, even if it’s out of your control, you still have to pay the bills. Don’t be in the situation where you have to close your doors temporarily, interruption insurance has you covered.

Property insurance covers any broken property, but doesn’t cover any lost money that could be caused because of down time. With business interruption insurance you can keep your business running, get coverage for lost net income, continue paying expenses such as mortgage, advertising, taxes and salaries, is can even pay any relocation and advertising fees if you have to move to a temporary site.

Business Crime Insurance covers all types of crime that could affect your business. From crooked employees who have stolen from you, any burglaries or robberies to your business, computer fraud or forgery/copyright issues.

Today, there are more opportunities for wrongdoing than ever. Whether you’ve just started a company or your business is established and growing, make sure all the hard work you put into your business is covered. Don’t let criminal behavior affect your bottom line. Contact one of our experts to put together a custom business crime insurance plan.

An umbrella insurance policy supplements your existing general liability, auto liability and employer’s liability limits. Sometimes accidents happen, but are not covered by your existing business insurance programs, with umbrella insurance you have coverage. If there is huge accident and the damages are above the limits instead of paying out of pocket we can cover you.

How much commercial umbrella insurance coverage do you need? There are factors that go into determining the answer, like the type of business you own and how much coverage you already have. Let one of our experts figure out the best plan for your business.