We are at your side, continually evaluating and addressing your company’s unique operational characteristics and risks — and helping you put the best insurance protection in place at the best value. Read below for all of the various types of commercial coverage that we can provide for your business.
what we can offer you
SMALL BUSINESS OWNER POLICY
Coverage includes auto, business property, commercial liability, worker’s compensation, inland marine, crime, valuable papers and records, accounts receivable, EDP equipment, and media and fine art.
BUSINESS LIABILITY COVERAGE
All businesses, even if home-based, need liability insurance. This provides both defense and damages if you, your employees, or your products or services cause or are alleged to have caused Bodily Injury or Property Damage to a third party.
COMMERCIAL AUTO INSURANCE
Commercial auto insurance protects a company’s vehicles that carry employees, products, or equipment. This covers your work cars, SUVs, vans, and trucks from damage and collisions. If you do not have company vehicles, but employees drive their own cars on company business you should have non-owned auto liability to protect the company in case the employee does not have insurance or has insufficient coverage.
COMMERCIAL PROPERTY INSURANCE
If you own your building or have business personal property, including office equipment, computers, inventory, or tools you should consider purchasing a policy that will protect you if you have a fire, vandalism, theft, smoke damage, etc.
BUSINESS INTERRUPTION INSURANCE
Business interruption/loss of earning insurance as part of the policy to protect your earnings if the business is unable to operate.
CYBER LIABILITY INSURANCE
If the business stores sensitive or non-public information about employees or clients on their computers, servers, or in paper files they are responsible for protecting that information. If a breach occurs either electronically or from a paper file a Data Breach policy will provide protection against the loss. Cyber and privacy policies cover a business' liability for a data breach in which the firm's customers' personal information, such as Social Security or credit card numbers, is exposed or stolen by a hacker or other criminal who has gained access to the firm's electronic network.
WORKERS COMPENSATION INSURANCE
This insurance provides salary replacement and medical benefits to those who are injured while working. In exchange for these benefits, the employee gives up his rights to sue his employer for the incident. Worker’s compensation insurance protects you and your company from legal complications. State laws will vary, but all require you to have workers' compensation if you have W2 employees. Penalties for non-compliance can be very stiff.
In most instances, employees who are injured will receive workers' compensation insurance, no matter who was at fault for the injury. Because these workers comp benefits act as a type of insurance, they preclude the employee from suing his or her employer for the injuries covered.
SMALL BUSINESS UMBRELLA COVERAGE
The assets of a business are at risk when they become the target in a lawsuit. If the cost of a claim exceeds the limits of a business's underlying primary insurance policies, Commercial Umbrella Insurance extends liability coverage for an additional layer of insurance to further protect business assets.
This means that an umbrella liability policy will cover a higher limit and goes above and beyond claims on the primary insurance policy. The main purpose of your umbrella policy is to protect your assets from an unforeseen event in which your business is held responsible for damages or bodily injuries.
OCEAN MARINE INSURANCE
Marine insurance covers the loss or damage of ships, cargo, terminals, and any transport or cargo by which property is transferred, acquired, or held between the points of origin and final destination. This insurance covers the transportation of goods and/or merchandise by vessels crossing both foreign and domestic waters including any inland or aviation transit associated with the shipment.