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An Agency Created for Small Business Insurance
Business and professional insurance solutions for small to mid-size companies with uncommonly good customer service!
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Business Insurance is all we do, and we have a dedicated team of commercial agents.
Here are the most common types of policies that businesses need. Depending on what you do, the size of your company and the customers you serve, you may need one of these or multiple. Our job is to help you understand these coverages and why you need them.
- General Liability Insurance: This coverage protects businesses against claims of bodily injury, property damage, and personal injury that occur on the business premises or as a result of business operations.
- Property Insurance: This protects a business's physical assets, such as buildings, equipment, inventory, and furniture, against risks like fire, theft, vandalism, and natural disasters.
- Business Interruption Insurance: Also known as business income insurance, this covers lost income and operating expenses if a business is temporarily shut down due to a covered event, such as a natural disaster.
- Workers' Compensation Insurance: This is required in most states and provides medical benefits and wage replacement to employees who are injured or become ill as a result of their job. It also protects employers from lawsuits by injured workers.
- Professional Liability Insurance: Also known as errors and omissions (E&O) insurance, this coverage protects businesses that provide professional services or advice from claims of negligence, errors, or omissions.
- Commercial Auto Insurance: This covers vehicles owned or used by a business, providing protection against accidents, theft, and other risks associated with business-related driving.
- Product Liability Insurance: This coverage is essential for businesses that manufacture, distribute, or sell products. It protects against claims of injury or damage caused by defective products.
- Cyber Liability Insurance: This protects businesses against losses resulting from cyberattacks, data breaches, and other cyber incidents. It covers costs such as data recovery, legal fees, and customer notification.
- Directors and Officers (D&O) Insurance: This provides financial protection for a company's directors and officers in the event they are sued for alleged wrongful acts while managing the company.
- Commercial Umbrella Insurance: This extends the coverage limits of other liability policies, providing additional protection against large claims that exceed the limits of standard policies.
- Employment Practices Liability Insurance (EPLI): This protects businesses against claims made by employees for wrongful acts, such as discrimination, harassment, wrongful termination, and other employment-related issues.
These are just a few examples, and there are many more specialized types of business insurance depending on the industry and specific risks involved. Let is customize coverage for you.
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