Businesses need insurance to satisfy federal and state requirements including workers’ compensation and liability insurance.
Commercial insurance packages will protect your business from natural disasters, theft, vandalism, and legal claims by employees or third parties.
Providing tailored coverage for your business to address all risks and exposures.
Protects your equipment, assets, property and liability. We work through your lease agreement and discuss your business plans to make sure your business is properly covered.
If you need large amounts of liability coverage, the addition of a CLUP can be a cost saving tool. Increases your liability coverage by $1,000,000 or more at lower costs than increasing your BOP liability coverage.
Provides wage replacement and medical coverage to employees injured while working and reduces an employee’s ability to sue their employer.
Covers your business against wrongful acts arising from your employment practices that affect an employee’s legal rights such as discrimination, sexual harassment, wrongful termination, defamation, and invasion of privacy.
E&O insurance protects companies, professionals and employees against claims of negligent actions or inadequate completed work.
Covers individuals in leadership positions of a company for negligent acts or omissions and misleading statements that result in a lawsuit against the company.
Liability coverage is required for all businesses. The other coverages depend on your type of business, number of your employees and their job types, your locations and the operations performed on sites, and more specific questions too.
Business insurance discounts come from combining various coverages into a business owners policy (BOP), your years in business, years without any claims, commercial auto discounts may apply, discounts do vary depending on the different insurance companies.
We have a variety of ways to help you reduce your costs. You can always raise your deductibles to lower your premium but if an accident happens than it will cost more. We will quote your insurance with many companies and find you the best rates and value.
Remember, insurance is designed to reduce your risk and help you recover from unfortunate events, make sure you know your coverages and the ramifications of likely situations. We will ask you specific questions about your business to set you up for high quality coverage and coverage that helps you feel comfortable.
When you hire your first employee, you must include additional business coverages such as workers compensation, errors and omissions, employment practices liability and others. Please reach out and explain your plans and operations, we will help guide you towards the best policy.