The world is changing, and we understand the issues your business faces every day. There is constant competition for your customers, there are challenges in attracting and retaining top employees, and your cost of goods keeps going up. Part of your planning should include an annual commercial insurance review. Your business changes, and so do your exposures. Here are some of the major kinds of coverage found in most commercial insurance programs.
Commercial Insurance for Businesses
Liability Insurance– Covers your business against claims of negligence that resulted in loss or injury to a customer or visitor to your business.
Worker’s Compensation– Protects your business when an employee becomes injured on the job. It is required by law.
Commercial Auto– Covers against loss for your business vehicles and any liability your business incurs as a result of an accident.
Property– Insures against loss for your buildings and equipment.
Employment Liability– Covers your business and managers from claims of harassment, discrimination and other civil rights as afforded under state and federal laws.
Cyber Liability– Protects your liability interests when data or sensitive client information is stolen or accidentally lost by your business.
Professional Liability-Protects your business when a third party accuses your business of being negligent or making a mistake in providing professional services.
An Independent Agent Who Understands Commercial Insurance
When you purchase business insurance through an independent agent you are working with a licensed professional who specializes in the products and services you need. We have access to many insurance companies and know which ones are designed just for your business. Independent agents are local business owners who employee your neighbors to serve your needs.
Putting a little extra effort into your next business insurance renewal can offer many rewards that include better coverage and lower premiums. We hope you and your team will join us on this risk and insurance journey, and in the end know that there is a better way to buy commercial insurance and have true peace of mind.
Established in 1981, we are dedicated to providing excellent service and competitive pricing but most importantly, professional analysis of the insurance needs of our clients. Our state of the art computer network allows us to make rate comparisons with several insurance companies to ensure that our clients receive the best we have to offer. We can help you with all your insurance needs.