Business Owners Commercial Insurance Policies

As a business owner, you have enough things to worry about. Insurance shouldnʼt be one of them. Owning your own business can be one of the most rewarding and satisfying experiences of your life. Of course, most business owners would agree that it also comes with its share of worries and frustrations.

With countless hours and dollars invested in your business, you are dedicated to its long-term success. But no matter how careful you are, your business has many unique exposures that could result in a severe financial loss if not properly insured against.

For instance, is your business adequately protected in the event of a loss, such as a fire or a theft? Are you generating enough profit to withstand a major disaster — or could one accident destroy your business? Choose us to protect the business you’ve worked so hard to build

General Liability Insurance

In today’s society, even a small mishap can result in a large lawsuit. That’s why general liability insurance is essential for most companies. Liability insurance protects the assets of a business when it is sued for something it did (or didn’t do) to cause an injury or property damage. Without the proper liability limits, your business could be in a serious risk for a big loss.

Commercial Property Insurance

For most companies their inventory is the life blood of their business. For others it might be their machines that generate their inventory. But no matter what your businesses life blood is, it is important to make sure that you have the correct limits on your property insurance in case of a loss from certain events such as theft or fire. Along with the businesses personal property it is also important to make sure that all of your buildings are properly insured so in the case a loss does occur to your building, your business can be up and running again as quick as possible.

Inland Marine Insurance

Your job requires dozens of different tools and pieces of equipment. We’re not just talking about small hand tools; we’re talking about equipment such as cranes, earthmovers, tractors, stone crushers, bulldozers and scaffolding.

You need this equipment to do your job effectively and efficiently, and it’s a huge investment that has been built up over months and years. If a major piece of equipment was stolen or damaged, would you be able to complete the job without it? Would you have the funds available to replace it? With our Inland Marine program you could.

Commercial Auto Insurance

Whether your business owns 1 vehicle, 200 vehicles or your employees use their own vehicles; your business needs a commercial auto policy. Every time you or your employees venture out on the road for business purposes, your business is opened to a multitude of risks. It is important to make sure your Commercial Auto policy has the proper limits of liability (along with comprehensive and collision coverage if you own the vehicles) to shield your business from any law suits.

Commercial Umbrella Insurance Policies

Umbrella liability insurance protects your business when accidents happen and your existing liability insurance policies cannot cover all expenses. Standard business liability coverage will take care of you in most situations, but when serious situations arise, umbrella liability insurance will help ensure that your business is protected. While no one wants accidents to happen, they do – and people sue.

Workers Compensation Insurance

Workers Compensation is designed to cover any injuries to employees caused from your business and also the employer from a lawsuit. Not only is having workers compensation insurance a law in most states, but it usually can be your most expensive policy as well. It is extremely important to make sure that your policy has the correct wages and class codes for your employees. We have multiple options when it comes to your workers compensation insurance from price, carrier and payments options, including a pay as you go option (if your business qualifies).