Business Insurance
Every business is unique. That’s why you need a business insurance policy that is tailored to your specific industry. Whether your business is large or small, simple or complex, we have the expertise to identify the ways to properly insure tyour business so you can prosper.
What kinds of business insurance product are available?
There are a lot of different business insurance products out there. Our job is to help you understand which products are best suited for your particular business.
Most insurance products fall under the following categories:
Bonds
A bond is a written agreement that an insurance company will protect your assets and back up promises made by someone else.
Business Auto
Business auto insurance includes body injury liability and property damage coverage. It also includes coverage for injuries or damages the policyholder may cause to someone else when operating a company vehicle.
Commercial Property
Commercial property insurance is the most common type of business insurance. It includes coverage for building, personal property, income, Electronic Data Processing (EDP), and Business Owners Policy (BOP).
Commercial Umbrella
A commercial umbrella policy helps protect your business from catastrophic liability losses by providing liability limits above and beyond your other policies. Sometimes, it can even broaden your overall business protection.
General Liability
General liability policies cover liability exposures of a business. This can include product liability, premises and operations, completed operations, and personal injury. All businesses should consider this type of protection.
Workers’ Compensation
If one of your employees is hurt on the job, workers’ compensation coverage pays for medical care and physical rehabilitation for the employee. It also helps replace lost wages due to the employee’s inability to work.
How can I protect my business?
We understand that every industry includes its own set of special risks. We can advise you on a variety of specialized insurance products that take into account your business’ unique risks, including:
- Golf courses
- Mechanics and auto body shops
- Mobile home parks
- Restaurants
- Sports leagues
- Veterinary clinics
- Vineyards/wineries
- Wholesalers
- Wholesale nurseries
Contact us to learn more about how we can help your business prosper.
