Business Coverages

• Business owner's policy- Need a package policy designed to provide broad property and liability coverage for your small business? Also known as a BOP policy, different business need different coverage so a BOP can be tailored to your business.
• Commercial Auto- Do you have autos or vehicles you use for your business? Commercial auto insurance offers liability and physical damage for a business autos or vehicles.
• Commercial Building Insurance- Do you own the property where you have your business or do you own a property you rent out to businesses? If you do, you need a policy to cover that property as there are differences between owning and operating your business out of your building or if you lease it out.
• Bonds-  Many businesses or professions require you to obtain a bond.
  • ​Most Frequent Bonds Available:​​
  • Fidelity Bonds
  • Surety Bonds
  • Contractor Bonds
  • Notary Bond Insurances
  • Bid & Performance Bonds
  • (Other bonds are available, please contact us to find out.
• Professional/ Errors and omissions-  Is your business offering advise or is a service offering company? Professional liability offers coverage to professionals that covers the rendering or failing to render services of a professional nature. We can find a policy tailored for your profession. Even if its a mistake, you could need coverage. Also you might see professional insurance listed as PLI or Errors & Omission listed as E&O on policies.
  • Some Top Classes that could use PLI :​​
  • Financial advisors
  • Technology Professionals
  • Real Estate Professionals
  • Consultants
  • Beauticians/Salon Services
  • (Other classes are available for coverages, please contact us to find out.)
• Workers Compensation- Each state has Worker Compensation laws and there are policies that cover an employer's obligations under those laws. You don't want to fall victim and be responsible for stated damages in the event of a work-related injury or illness. Make sure your are in compliance and protecting your business and assets with a worker's compensation policy.
• Business Personal Property- If you are a business owner and don't own the property you run your business out of, you still need could need business personal property insurance. It covers the property you use to run your business and can even cover inventory items you have as well. 
• Commercial Umbrella- Your business is important to you and could a significant claim have a devastating impact on you? Many business have liability policies, but what about an umbrella policy? A business umbrella policy provides broad coverage for an insured's liability over and above liability covered by an underlying policy.
• Inland Marine Coverage- Do you have portable property? Inland Marine Insurance offers coverage for a variety of portable property, in addition to good in transit.
• Cyber Insurance- As technology advances so do the risks of cyber attacks. Does your company deal with any personal information or deal with the internet? Cyber insurance generally covers your business' liability for a data breach involving sensitive customer information, such as Social Security numbers, credit card numbers, account numbers, driver's license numbers and health records.
• ​Business Interruption- helps replace lost income and pay for extra expenses when a business is affected by a covered peril.
• Product Liability- This offers coverage to protect the manufacturer, distributor or seller of a product from legal liability resulting from a defective condition that caused personal injury or damage associated with the use of the product. It is designed to protect your business from legal and court costs..
  
• Contractors/Tradesmen- Contractors require unique coverages for their industry. We even have some companies that offer risk control services to help prevent losses from occurring and disrupting your day-to-day operations. 
  
• Restaurants-  Kitchens can be dangerous, food can go bad, and large numbers of people frequenting restaurants are obvious risk factors. Restaurant insurance protects against these types of risk and helps prevent financial situations that are impossible to overcome. Running a restaurant can be stressful enough let along worrying about having the right coverages. Let us help you with that worry, that way you can concentrate on what's important your business and customers