Whether it is insurance for your building, business property, equipment, inventory or company vehicles, we offer products and services to protect your business. We have access to the many national carriers and pride ourselves on delivering excellent customer service.
Commercial General Liability Insurance
These are liability coverages, which protect an insured party against injury or damage claims made by other parties. Most policies provide coverage for liability arising out of:
•Premises and Operation
•Fire Damage Liability (damage by fire to premises rented to insured)
•Personal and Advertising Injury
You may want to consider a Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy and which can help you save time and money on your total insurance program.
Knowing we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.
These coverages manage the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items. Property insurance may cover two types of property losses:
•Direct losses may be covered when property is lost, stolen, damaged or destroyed.
•Indirect or consequential losses related to direct losses may also be covered.
Workers' Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered. Workers' Compensation provides for the payment of four types of benefits:
Business Auto Insurance
These policies insure vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. It may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverages and deductibles and about tailoring a Business Auto plan that's right for you and your business.