Coverage
Business owners may have a variety of insurance needs. We will help you identify and understand appropriate coverages, including:
Liability
- General Liability
This covers exposure to claims of negligence. It protects business owners in cases of bodily injury or property damage, medical expenses, and the cost of defending lawsuits.
- Product Liability
Companies that manufacture, wholesale, distribute, and retail a product may be liable for its safety. Product liability insurance covers negligence, breach of warranty, and defective products.
- Professional Liability
For professional firms such as doctors, lawyers, architects, and engineers, this coverage protects the business against errors and omissions suits.
Business Automobile Insurance
Every vehicle used for business should be covered to protect your employees and your business. We help owners understand and secure appropriate coverage for cars, trucks, vans, and other vehicles.
Workers' Compensation/Employers' Liability
This insurance protects employees by providing benefits for job-related injuries. It protects you and your company by eliminating lawsuits from employees related to these injuries.
Umbrella
Umbrella coverage covers against huge costs of some lawsuits. Limits are in excess of general liability, automobile liability, and employers' liability.
Property Insurance
Business property insurance covers the physical assets of your business, such as your building, equipment, furnishings, fixtures, inventory, computers, records, and other valuable items. In the case of fire or other events, this coverage helps repair or replace the building and its contents, and also can provide income if your business is temporarily out of operation after a covered loss.
Home-Based Business Insurance
Most homeowners' insurance policies do not cover home-based business losses. Commonly needed insurance areas for home-based businesses include business property, professional liability, personal and advertising injury, loss of business data, crime and theft, and disability.
Business Interruption Insurance
Some businesses may wish to acquire insurance that covers losses during natural disasters, fires, and other catastrophes that cause the operation to shut down for a significant amount of time.
Crime Insurance
No matter how tight security is in your workplace, theft and malicious damage are always possibilities. Hacking, vandalism, general theft, and employee embezzlement are threats covered by crime insurance.
Directors and Officers Insurance
Every corporate director and officer can be a target of litigation. D&O insurance protects company leaders against potentially expensive lawsuits brought by shareholders, employees, customers, suppliers, competitors, or regulatory agencies.
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