We offer a wide range of insurance products for different types of businesses that are tailored and packaged for your needs. Whether the insurance is for your building, your business property, inventory, equipment, company vehicles, or liability, we offer products and services to protect your business and interests. In addition, we offer Workers Compensation, Bonding and Group Health and Life plans.
Property insurance covers the risk of loss to your property including building, business property such as inventory, furniture, fixtures, equipment, business records, accounts receivables, supplies and other physical items owned by your business. There are two types of property losses 1) direct loss such as when property is lost, stolen, damaged or destroyed, and 2) indirect or consequential loss such as loss of earnings or extra expense that occurs and is related to a direct loss.
Commercial General Liability Coverage
Commercial general liability coverage is a principle coverage of Casualty insurance and primarily protects the insured against damage or bodily injury claims made against them by a third party.
Coverage on a Commercial general liability policy are provided for liability that arises out of:
- Premises and Operations of the Insured
- Products/Completed Operations of the Insured
- Personal or Advertising Liability
- Fire Legal Liability (damage by a fire to a premises rented to the insured which they are held legally liable
- Medical Payments
Business Owners Package
Commercial property and commercial liability may be combined into one comprehensive policy with additional types of coverages such as crime and inland marine coverages. Combining coverage onto one policy can save money on your total insurance program. In addition the limits of liability have to be assessed carefully today in the wave of million dollar lawsuits. It may be more advantagous and cost efficient to write and Umbrella or Excess Liability policy.
Business Automobile Coverage
Business Auto may be used to cover private passenger vehicles and all types of trucks, trailers, semitrailers and commercial vehicles that are designed for use on public roads and that are owned, leased, hired or borrowed by the business, whether the business is a sole proprietorship, partnership, corporation or association. A tailored Business Auto plan should be developed with specific coverages and deductibles that meet the businesses needs,
Bodily injury and diseases arising out of and in the course of employment are covered under Workers Compensation. However, the bodily injury must result from an accident and would include a death benefit if resulting from the accident. Disease must be an occupational disease that is unique to the occupation in order to be covered under Workers Compensation.
There are four types of benefits payable under Workers Compensation:
- Medical Benefits
- Income Benefits
- Death Benefits
- Rehabilitation Benefits