Business Insurance

Businesses 2017-08-21T20:31:53+00:00

Protect Your Business from the Unexpected

Owning or running a business involves a significant investment and exposure to risk. Business insurance minimizes risk and protects you from losses due to unexpected events. There are many types of business insurance. Some of the most common business insurance options are:

  • Property and casualty protects you from loss or damage to the physical property of the business. It can also cover the property of others if it’s in your possession when a loss occurs.
  • Liability protects against liability due to negligence of the business or its employees. It can also include errors and omissions (E&O) coverage.
  • Commercial auto protects any vehicles titled in your business name from damage to the vehicles or damage caused to others by your vehicles.
  • Workers’ compensation protects against liability due to on-the- job injuries. Every state has different requirements but most require workers’ compensation if you have employees.
  • Business interruption covers lost revenue and damage to cash flow or profitability if a business is not able to operate due to fire, vandalism or the like.
Business Insurance Protects from the Unexpected
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Business Insurance: Key Coverages to Consider

When it comes to business protection, we have you covered. We are a full-service insurance broker offering group health insurance / employee benefit plans and business insurance. Below are just some of the policies we can write to protect your business.

Liability Coverages

  • Umbrella/Excess Liability
  • Higher Limits
  • Blanket Additional Insured
  • EPL/Employee Property Liability Coverage
  • Executive Protection
    • Directors and Officers
    • Employment Related Practices
    • Employee Benefit Liability
    • Fiduciary Liability
    • Professional Liability
  • Pollution Liability
  • Multi Media Liability
  • Waiver of Subrogation

Property Coverages

  • Agreed Value
  • Earthquake
  • Property in Others
  • Glass
  • Sign
  • Fences/Lighting
  • Retaining Walls
  • Building Ordinance
  • Business Income/Extra Expense
  • Agreed Value

Workers’ Compensation

  • Statutory Coverage
  • Employers Liability Higher Limits
  • Foreign Coverage
  • Waiver of Subrogation
  • Other States Coverage

Bonds

  • Contract Surety Bonds
  • License Bonds
  • Payroll Services
  • Miscellaneous Bonds