Commercial Insurance
As a business owner, you're used to taking some risks. But your insurance company doesn't have to be one of them. Our agents understand the needs of small businesses like yours and can help protect your business and plan a roadmap for your financial future. we can help you build a plan that gives you the peace of mind you need. Give us a call and let's talk about the many different options for your business.
- General Liability Insurance protects the assets of a business when it is sued for something it is liable for by causing an injury or property damage. Covered General Liability claims can include bodily injury, property damage, personal injury, and advertising injury (damage from slander or false advertising). The insurance company can cover compensatory and general damages as well. Punitive damages aren't covered because they're considered to be punishment for intentional acts.
- Worker's Compensation covers employees injured in job-related accidents. It's right up there with payroll and taxes. Finding the best price is only half the battle. We can also help you keep those costs down by providing Claims Administrations, Experience Modification Analysis and Safety / Loss Control assistance.
- Excess Liability Insurance provides additional liability coverage (above general liability limits) for specific risks once a policy's coverage limit has been exhausted. It also provides additional liability for certain risks that would not be covered by the primary insurance policy.
- Property and Equipment Insurance covers items like your buildings, leasehold improvements, signage, equipment and personal property. It can include coverage for employee theft, forgery and / or dishonesty. There may also be coverage for contract penalties assessed against you if you can not complete the work because the property being installed was damaged by a covered loss. Equipment breakdown insurance covers repair and replacement costs of the insured equipment - items like computers, air-conditioners, water heaters and electrical systems.
- Commercial Auto Insurance covers your business autos, or employees while they use their personal autos on company business. There are other coverage enhancements that may be needed as well for permanently installed electronic equipment, rental autos, lease gap coverage and more.
- Professional Liability Insurance provides coverage in risk areas like employment practices liability, errors & omissions, Directors & Officers liability, crime / financial fidelity, fiduciary liability and internet liability.
- Group Benefits Including Group Health are often the highest expense item in a company's financial statement. Benefits represent a large percentage of an employee's total cost. Worker's Compensation, State Disability, Social Security, Unemployment, Sick Leave and Vacation time are all benefits provided by you, the employer.
