COMMERCIAL INSURANCE

We will help you protect your business real estate, commercial vehicles and equipment, business assets, and income through a combination of coverage including property, general liability, business interruption, and professional liability.

The coverage will be tailored to your business needs and exposures. Commercial insurance can be established as a package or by parts, which can be added based on specific business needs.

GENERAL LIABILITY INSURANCE

Protects against claims and lawsuits, covering the cost of your legal defense and paying damages like property damage, bodily, personal, and advertising injury caused by your products and services, business operations or your employees, or an injury at your place of business or generated by using your products or services.

·       An umbrella policy can broaden and increase coverage.

PROFESSIONAL LIABILITY INSURANCE

Provides protection not covered by your general liability insurance.

• Errors and Omissions.

• Directors and officers.

• Legal and medical malpractice.

Other professions that should have it include accountants, architects, engineers, and real estate agents.

BUSINESS INTERRUPTION INSURANCE

Covers business shut down because of a covered loss.  Replaces lost revenues and covers extra expenses for relocation.

It can be added to a Commercial Package or commercial property insurance.

COMMERCIAL PROPERTY INSURANCE

Your business has multiple assets—the building, stock, business materials, and personal property. Losses to any of these could financially impact the business. Property coverage can help owners repair or replace items belonging to the company.  

Don't forget Wind and Flood Insurance.

COMMERCIAL AUTO INSURANCE

If you own commercial vehicles or if your employees drive their own vehicles for business purposes, this insurance will cover cars, trucks,  tow trucks, dump trucks, emergency vehicles, and more. Based on the ownership of the vehicles, you might need collision, comprehensive, or liability insurance.  We will structure your policy to best meet your needs.

WORKERS COMPENSATION

Employees could sustain on-the-job injuries. This could mean a financial loss and physical incapacitation to the employee. Most states require businesses to provide workers’ compensation for this reason. Workers’ comp insurance can help businesses pay injured employees for medical bills, lost income, and even death benefits.

EMPLOYEE BENEFITS

Available as self-funded or fully insured benefits

Major medical, dental, and vision.

Accident and critical illness.

BONDS

If a business signs a contract with a client, it promises to complete its work. Failing to honor a contract means the business might have to compensate the client. Bonds do not provide these funds. However, they guarantee the client that the business has the funds to repay the losses.

LIFE INSURANCE FOR BUSINESS SUCCESSION

The death or disability of a key person in the business can pose a significant risk such as the loss of sales due to downtime, the cost of replacing an executive or buying the deceased’s share of the business, legal costs, and more.  We can find the right life policy to ensure business succession.