Business Insurance Solutions
Safeguard your business with reliable insurance plans.
Business Owners Insurance
Get property and liability coverage with business owners' insurance.
Two coverages in one policy for your business.
A business owner's insurance policy, or BOP, combines business property and business liability insurance into one convenient policy. Your business faces a variety of risks unique to your industry, but there are certain coverages that businesses need regardless of their size or business type. Having a BOP helps you safeguard your business by helping to protect what you’ve built.
Why do you need business owners' insurance?
Because your business faces the unexpected on a daily basis, there are always risks involved. Whether it’s the risk of damage or loss to your property or customers, you can help protect your business from the unexpected with an insurance policy. With the coverage and convenience of a BOP, you may be able to minimize property and liability risks so you can focus on the future of your business.
Protect the property of your business.
The first type of coverage in a BOP is property insurance. Property insurance may cover risks associated with your premises, equipment, and vehicles. In addition, it may often include any associated loss of business. This is essential coverage because it may help protect your business, assets, and income. For instance, here are a few of the coverages to consider in your business owner's insurance policy:
- Accidental Damage
- Fire
- Flood
- Loss of Income
- Property Loss/Damage
- Theft
Get liability coverage for your business.
The second type of coverage in a BOP is business liability insurance. Business liability insurance may cover personal injuries to people you deal with and damages to their property. However, it’s important to note that liability insurance usually doesn’t cover risks related to professional services—meaning damages that result from you giving clients inaccurate advice, for instance. The liability coverage included in your business owners insurance policy is important, especially if:
- You meet your clients at your business or theirs.
- You have physical access to your clients’ equipment.
- There is a risk of injury to people or damage to their property.
Insurance coverage for your specific business.
Getting a business owner's insurance policy means covering these risks in a single policy, which may significantly reduce stress and help bring you peace of mind. Policies are typically tailored to help cover your specific needs, and pricing varies depending on your business. However, it’s usually cheaper than buying separate policies for both commercial property and liability coverage.
Understanding your unique business needs.
Finding a business owner's policy that works for your specific business is important so you can help protect your business, income, and assets. With this protection, you can worry less about the risks involved in your business day-to-day and put more of a focus on the future of your business.
If you run a business, consider the benefits of a business owner's insurance policy. Contact us to go over your business needs and coverage options.
Mon - Fri:Â 9:00 AM - 5:00 PM
Sat:Â By Request
Sun:Â Closed
Business Auto Insurance
Whether you have a fleet or one commercial vehicle, consider business auto insurance.
Add an extra layer of coverage to your auto policy.
A vehicle collision is never good news, but when it’s one of the cars or trucks owned by your business, the consequences are more complicated. Business auto insurance takes all the elements of normal auto coverage and adds on extra protection. This may include coverage for the following:
- Bodily Injuries
- Collisions
- Named Perils
- Property Damage
Higher liability coverage than auto insurance for individuals.
For example, when obtaining business auto insurance, you may usually get much higher liability coverage to reflect the fact that a business typically has more assets at risk than an individual would. Additionally, you can get collision insurance. This type of coverage pays out for damage to your vehicle,s no matter who caused the collision—a protection that’s often a must if you lease or finance commercial vehicles.
Do your employees need coverage on their personal vehicles?
If your employees are using their own personal vehicles for business-related reasons and they get into an accident, your business might be held liable. With non-owned auto liability coverage, your business may be protected.
Essential for employees who use their own vehicles for work.
It’s also worth considering non-owned auto liability coverage, which is an add-on or a separate policy covering those instances when your employees drive their own personal cars or trucks as part of their work for your business. This type of protection may help reduce the risk of messy legal complications if they are injured or their vehicle is damaged while on the job.
Business auto insurance is essential for those who run a business. Contact us to learn more and to go over your specific needs and coverage options.
General Liability Insurance
Get coverage for the uncertainties in business with general liability insurance.
Offers protection against the risk of damage.
When you look around your business, it’s obvious that you need to protect against damage to your buildings, equipment, and staff. Less obvious—but no less important—is the risk of damage to other people and businesses, which could leave you paying out large sums if you are held liable.
What insurance does and does not cover.
This policy mainly covers bodily injury to people outside of your business and physical damage to their property. A few exceptions to this principle include data loss and reputation damage, such as one of your employees defaming a client. It’s important to note that this type of coverage doesn’t apply to cases where you are sued for giving inadequate professional advice. Errors and omissions insurance may help to protect your business from that specific type of risk.
What is covered by general liability insurance?
Bodily injury, property damage, advertising injury, and medical payments are typically included.
How much does general liability insurance cost?
The cost of your policy may vary depending on the industry type, location, and size of your business, as your risks will be different.
When is general liability insurance required?
Your business needs to have this type of policy if you ever meet clients at your business or theirs, or have any physical access to their equipment. Additionally, this coverage may be a requirement before some businesses will sign a contract with you.
General liability insurance is a common necessity for most businesses. Contact us to go over your coverage options for your business.
Commercial Property Insurance
Protect your property from damage, loss, and theft with commercial property insurance.
Is your business prepared for the worst?
Fire, flooding, theft, or accidental damage are unfortunate incidents that could not only damage or destroy your property but could also devastate your business. Whether it’s your office building, commercial vehicles, or equipment, losing these assets would be a potentially critical setback for your business.
Replaces lost or damaged property.
A commercial property insurance policy may help protect against the cost of replacing lost or damaged property. Additionally, insurance may cover any associated losses—such as lost income—that are caused because part or all of your business is temporarily unable to operate.
What is covered under a commercial property insurance policy?
While coverage may vary from policy to policy, things like the building structure, equipment, fixtures, building contents, and the property of others are typically included in this type of coverage.
How much does commercial property insurance cost?
The cost of coverage may vary depending on a number of factors, including the type of building, the location it’s in, the type of business you operate, and whether you have fire alarms and security systems.
Policies may cover additional unexpected costs.
It’s worth exploring the options available to you with a business property insurance policy, as they may cover risks you hadn’t thought of. For example, some policies may protect against the additional costs you face if rebuilding a damaged business facility means no longer being exempt from local building codes. Other points to check include whether a policy covers the cost of removing debris before reconstruction begins, as well as whether the business property is covered against weather event damage while being rebuilt.
Commercial property insurance may help safeguard your business and assets, as well as your income. Contact us to learn more about your coverage options and business needs.
Mon - Fri:Â 9:00 AM - 5:00 PM
Sat:Â By Request
Sun:Â Closed
Workers’ Compensation Insurance
Cover employees from work-related accidents and illnesses with workers’ compensation insurance.
Coverage that helps safeguard your business.
Workers’ compensation insurance is not just a legal requirement; it’s an investment in the safety and security of your employees. Without it, your business could face expensive lawsuits. Fortunately, you can help safeguard your business by providing insurance to your employees.
Required coverage in most places.
The precise rules vary from place to place, but the general rule is that your business must take out workers’ compensation insurance for employees that pays out if they are injured at work. This means that should an employee be injured on the job, they may be covered. In addition, retaining skilled and experienced employees is important for any type of business, so having the proper coverage in place helps your business in the long term.
What does workers’ compensation insurance cover?
As a business owner, knowing the risks of injury is one thing, but understanding what workers’ compensation covers is equally important. In principle, payouts typically cover medical bills, care costs, and a portion of any lost wages. Plus, in the worst-case scenario, it may cover funeral costs and death benefits.
The risks you face without insurance.
There are often harsh legal penalties for businesses that don’t carry workers’ compensation coverage for their employees. Aside from that, this type of coverage benefits your business by helping your employees get medical treatment that helps them return to work fit and healthy.
Workers’ compensation coverage above legal minimums.
Many policies go beyond the legal minimums and may also pay your legal costs if an employee sues your business over a workplace injury. This is an important safeguard to help protect your business.
What injuries are covered by workers’ compensation insurance?
Injuries that occur while on the job may be covered, whether they are caused by auto accidents, natural disasters, illnesses, toxic chemical exposure, or violence in the workplace.
How much does workers’ compensation insurance cost?
The costs associated with your policy may vary depending on your industry, the location of your business, and the frequency of past injuries.
Workers’ compensation combines with other policies.
While you can get standalone workers’ compensation policies, you can also often get coverage as an add-on to other policies. These include business owners insurance policy (BOP), general liability insurance, and professional liability insurance.
Mon - Fri:Â 9:00 AM - 5:00 PM
Sat:Â By Request
Sun:Â Closed
Cyber Liability Insurance
Protect your business against the costs of data breaches with cyber liability insurance.
Insurance that helps cover the risk of getting hacked.
Getting hacked isn’t just a hassle. It also poses a potentially huge and unexpected cost to your business. Cyber liability insurance is a specialized policy that helps cover many of the risks your business faces from an information breach—and may even cover some risks you might not have thought of.
What does a cyber liability policy cover?
A cyber liability insurance policy may help you to cover the expenses associated with a cyber-attack. Additionally, some commercial cyber liability policies may cover loss of business while your systems are compromised or unavailable. You may even be able to get coverage against inadvertently breaching somebody else’s copyright.
What happens in the aftermath of a cyber-attack?
What happens during cyber-attacks matters, but the consequences after that are what really make an impact on your business, as well as your customers. What your business does in reaction to the data breach may lead to a hefty, unexpected cost for your business. Not to mention, dealing with the aftermath of a cyber-attack could close your business temporarily, which could result in a loss of income. A number of action steps must be taken once your business has experienced a cyber-attack and breach of data. These steps include:
- Notifying customers and clients of the data breach.
- Restoring your business’s website to working order.
- Dealing with extortion attempts.
- Paying damages to clients, customers, and suppliers.
Proactively identifies weak points in cybersecurity.
In addition to protecting your business against cyber risks financially, obtaining cyber liability insurance may also help reduce potential risks. Insurers may walk through your current cyber-defenses and identify potential weaknesses that you need to fill in. By bolstering your cybersecurity, you may be able to help prevent data breaches from happening in the first place.
Need cyber liability insurance for your business? Contact us to go over your business needs and coverage options.
Error and Omissions Insurance
Mistakes happen. Errors and omissions insurance may help protect your business.
When general liability insurance isn’t enough.
You might think that general liability insurance covers every liability risk you face, but that would be an expensive mistake. This is where errors and omissions liability insurance, or E&O, comes into play. It helps to cover your business and your employees against claims of negligence or actions taken that harm someone else. If your business provides professional services or advises others, you may want to consider having an E&O policy to help safeguard your assets.
What errors and omissions liability insurance covers.
In simple terms, general liability insurance covers the costs of physical damage, whether that be to a person or your business property. Insurance may cover financial losses that other people—such as clients—suffer because of your actions or lack thereof. Coverage may include court costs as well as settlement costs, depending on your policy and the limits.
Does your business need E&O coverage?
If your business offers professional advice or services, such as financial professionals, contractors, non-profits, engineers, doctors, legal professionals, and the like, you’ll want to consider having an E&O policy for your business.
How much is errors and omissions liability insurance?
The cost of an E&O policy may vary depending on your business type, your location, and if your business has had lawsuits or claims made against you in the past.
Which businesses benefit from E&O coverage?
This most commonly involves businesses that give professional advice to their clients. However, with some policies, it may also involve unintentional violations of copyright and other intellectual property law or defamation, such as libel. For companies that provide advice, an E&O policy is essential. It may also prove useful for companies that supply software and similar tools that clients might then use for their own businesses. You’ll want to consider an errors and omissions liability insurance policy that will cover both the costs of any damages themselves and the costs of defending claims for your business.
Are you looking for an errors and omissions liability insurance policy for your business? Contact us to go over your business, the risks you face, and what your coverage options are.
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