Our agency provides a variety of insurance packages that are customized for different types of businesses. No matter whether it is for your building, equipment, business personal property, inventory, or business vehicles, our agency provides products and services to protect your business. In addition, our agency offers Group Disability, Group Health, and Group Life insurance Plans.
Property Insurance
Property Insurance protects the insured from property losses from an assortment of commercial situations, including commercial buildings, furniture, equipment, inventories, fixtures, important papers, office supplies and other physical items.
Property Insurance may cover two types of property losses:
- Direct losses may be covered when property is lost, stolen, damaged or destroyed.
- Indirect or consequential losses related to direct losses may also be covered.
Commercial General Liability Insurance
Casualty Insurance comprises primarily of liability coverages, which guard an insured party from injury or damage claims generated by other parties.
Policies provide coverage for liability occurring out of:
- Premises and Operation
- Fire Damage Liability (damage by fire to premises rented to insured)
- Personal and Advertising Injury
- Medical Payments
- Products/ completed operations
A Business Owner Policy (BOP) combines your Liability, Property, and other coverages into a comprehensive policy. A BOP may save you time and money on your insurance program.
Commercial Umbrella Insurance
A Commercial Umbrella Policy will provide you with extra liability coverage that your business may need. Discuss this policy as well as your General Liability coverage with an Insurance Professional.
Commercial Auto Insurance
Commercial Auto coverage insure vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Commercial Auto coverage is used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. An Insurance Professional can provide you with more details about the specific coverages and deductibles and about developing a Commercial Auto plan that is appropriate for your business situation.
Workers’ Compensation
Workers’ Compensation coverage pertains to bodily injury and diseases resulting out of and in the course of employment. Any bodily injury must be accidental, this include death resulting from the accident. Only occupational disease, which are unique to the occupation, are covered.
There are four types of benefits from Workers’ Compensation Insurance:
- Medical Benefits
- Income Benefits
- Death Benefits
- Rehabilitation Benefits
Contact us today to discuss your Commercial Insurance requirements.
