COMMERCIAL PROPERTY & CASUALTY INSURANCE
INSURANCE COVERAGE DESIGNED TO MEET YOUR UNIQUE NEEDS
Running a business can be challenging. Choosing the right insurance for your business can be difficult. Dealing with the variety of agents, brokers, products and services may seem overwhelming. As a result, making the best decision for your particular business is a real challenge for most business owners.
That's where we come in. We’re here to help you select the right business insurance designed to mitigate your particular business risks. We have direct access to large A-rated carriers. Our expert team will develop a unique insurance package designed to meet your specific needs, delivered at the best price.
Property Insurance
Property insurance protects your business’ buildings and content. Many insurance carriers offer products and additional coverage for loss of rent, business interruption, inflation guards, and more. Even if you do not own the building you occupy, to protect your business from anticipated threats requires having the right property insurance policy to insure your personal contents.
Liability Insurance
General liability insurance defends your business against third parties in the case of a lawsuit. Should you face a lawsuit, your general liability policy commits to cover defense costs and settlements up to the specified limits of your policy. Liability policies can be customized to include additional coverage for premises rented to you, medical payments, and hired/non-owned vehicles.
Business Owner’s Policy (BOP)
A Business Owner’s Policy offers several insurance products rolled into one. These policies are generally designed for small to mid-size businesses. Business owner’s insurance typically includes property, business interruption, and liability insurance. Not all businesses qualify for Business Owner’s Policies. Eligibility requirements differ among carriers. Insurance carriers may have specific requirements regarding geographic location, the size of the property, revenue, and class of business.
Workers’ Compensation Insurance
Workers’ Compensation coverage provides a medical and lost wage benefit to employees who are injured on the job; and relieves the employer of the risk of an employee lawsuit. If your employee is injured on the job, workers’ compensation insurance pays for medical expenses and a percent of lost wages until the employee either returns to full duty and pay, or reaches maximum medical improvement at which time a settlement is made.
Commercial Auto Insurance
Commercial auto insurance offers coverage for both vehicle liability and property damage. Commercial vehicle liability protects a company from lawsuits stemming from the company’s use of a car. Property damage protects a company from any damage to the company’s auto(s). Overall, the commercial auto policy combines liability insurance and property insurance regarding the company’s use of automobiles.
