Remember, when it’s time to insure your business, please keep in mind that the best insurance plan is only as good as the agent that represents you.
Commercial Package Policy
This policy is tailor-made for your business to include those coverages you need from the following: Property, Liability, Auto, Inland Marine, Boiler and Machinery, and Umbrella.
Business Owner’s Policy (Needed By Most Small Businesses)
A standard policy form that provides property, liability and most other coverages needed by most businesses. Another important element that is typically included is time element coverage, that is it covers ongoing expenses between the time of the loss and when repairs are completed. This policy is also known as a BOP.
Covers on-the-job injuries to your employees and is required by state law.
Auto and Truck Fleet
Coverage designed to protect your business’ vehicles, including garage, trucking and motor carrier businesses. This can be added on to a commercial package policy.
Designed to protect goods in transit; it can also be included in the commercial package policy.
Employment Practices Liability
Provides protection against lawsuits alleging discrimination, wrongful termination, sexual harassment, and failure to promote which the commercial general liability form excludes. These types of lawsuits against employers have increased dramatically over the past few years. Defense cost provided, even if suit is groundless.
Umbrella and Excess Liability
This coverage complements your property/liability policies and provides additional limits of coverage.
We can provide you with any type of bond you may require.
Professional Liability (E&O)
We also write errors and omissions coverage for lawyers, architects, engineers, accountants, realtors and others who are required to have a license or have a degree to conduct business.
Directors and Officers Liability (D&O)
Provides protection against director and officers from liability arising from actions connected to their corporate positions.
Homeowner’s insurance does not necessarily cover many home business-related claims. If you have a home based business, contact us to discuss proper coverage options.