Business Insurance
There are coverage options available to protect just about every aspect of your business. From employee injury to natural disasters, there is business insurance to cover it. Some insurance is required by law and others by lenders, business partners and landlords.
Business Property Insurance protects your business by funding repair or replacement of damaged physical assets when disasters such as fire, windstorms, hail or vandalism strike.
Business Liability Insurance protects your business against financial losses resulting from claims of injury or property damage caused by you or your employees and your products or services.
Business Auto Insurance protects against losses from injuries to other drivers, passengers and pedestrians for which you and your employees are liable.
Business Crime Insurance covers fraud, theft, forgery or robbery.
Workers’ Compensation Insurance, which is required by law in most states, covers some of your employees’ medical needs in the event of an accident or disease and make a quick return to work possible, while removing lawsuit potential by current or former employees. Most states only require this insurance cover work-related injuries or illnesses.
Employment Practices Liability Insurance can cover your business if discrimination, sexual harassment or wrongful termination claims are made by present, former or future employees.
Umbrella Coverage makes sure your business is shielded from the effects of lawsuits with additional liability coverage.
Bailee Coverage protects you and your business if damage is done to customer’s goods, including jewelry and clothing.
Transportation and Cargo Coverage covers your company if goods are damaged or lost when being transported by one of your vehicles or common and contract carriers.
Spoilage Coverage covers perishable goods that are spoiled due to a mechanical breakdown or power outage.
Non-Owned Auto Coverage was created if an employee is involved in an auto accident while driving a personal automobile on company business.
Fidelity and Construction Bonds are just two examples of the surety and bonding service we provide. We partner with insurance agencies that are experts in the surety and bonding arena, with a thorough knowledge of its unique details and requirements, and offer a wide variety of options to guarantee commercial and personal obligations are met.
For more information about business insurance, give us a call and we will be happy to explain the various coverages and how they pertain to your business.
