Commercial Insurance
Business Auto Insurance
Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage 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 tailoring a Business Auto plan that’s right for you and your business.
Workers' Compensation
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.
A representative can provide you with complete details on Workers' Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.
General Liability
One out of every three small business owners has been sued or threatened with a law suit…even if your business did nothing wrong!
The type and amount of liability insurance you need depends on the nature of your business. We recommend speaking with a highly qualified agent.
Commercial Property
Property Coverage safeguards your business’s inventory, equipment and fixtures against theft loss or damage. There are two basic types of business policies: “named peril” which covers only the events listed in a policy and“all risks” covering all events except those specifically excluded (like earthquake and flooding).
Business Income Insurance
Every day your business isn’t open is a day your business isn’t making money. Business Interruption Insurance can keep things running.
The most common type, Business Income Insurance, covers lost revenue, payroll for your employees, expenses and other costs while you’re preparing to reopen. Premiums for this type of coverage are based on your company’s balance sheet and other factors.