Essential for all types of businesses, a commercial general liability policy helps protect your business against claims of property damage and bodily injury arising from your people, premises, products or services, as well as personal and advertising injury.
Without an excess or umbrella policy, a catastrophic claim could deplete your income and business assets. Every business is vulnerable to devastating losses and lawsuits that could possibly exceed your primary insurance coverage. This is an inexpensive but critical coverage.
Businesses that provide professional services or give advice to clients should consider purchasing professional liability insurance. It provides protection when a business owner is sued for negligence because their work doesn't meet a client's expectations.
Cyber liability insurance is vital. It can cover the cost of data or privacy breaches that expose personal information, such as Social Security or credit card information, proprietary data or even intellectual property. It also covers the cost to notify affected parties, including any ongoing identity theft or credit monitoring needs.
If you are a company that works with hazardous materials or simply needs coverage to satisfy contract requirements, we can find the pollution liability policy that's right for your needs.
Did you know your personal insurance may not cover you if you are engaged in business activities? What if you have employees on the road making service calls to customers? Commercial auto insurance provides valuable protection for your company-owned vehicles, leased or rented vehicles, and your employee's vehicles used for business purposes.
Worker's Compensation, which is compulsory for all employers, is there to help cover lost wages and medical expenses. Even without employees, Worker's Compensation can be required by contractor but is difficult to find. That is where we come in.
Imagine your business is burglarized causing physical damage and possibly lost assets. Or a fire goes out of control and damages your inventory. Your ability to recover from these incidents is greatly increase if you carry commercial property insurance.
Do you have business equipment, tools, materials, or supplies in transit? Do you store business property in an off-site location? How about rent equipment? Protect some of your most valuable business property or equipment wherever it may be with inland marine coverage.
Also known as course of construction insurance, is a specialized type of property insurance that helps protect buildings under construction. It's essential in helping protect construction projects.
Flood / Earthquake
Your basic insurance policy does not protect you against damage from earthquakes and floods. Whether you are in a high-risk area or moderate-to-low risk area, you should consider adding earthquake and flood insurance to your policy. More than half of all flood claims occur in areas considered to have low flood exposure, and each year there are around 5,000 earthquakes in the United States.
Not sure which insurance you need? Let us help you. Call (800) 620-4216 for a free quote.