Whether you own a 25,000 square foot building or lease two rooms above a barber shop – the place where you do business is essential to your daily operations. From historic buildings to the eco-friendly, our carriers can properly insure your property, meaning the difference between disaster and a slight inconvenience should something happen. In addition to the building, we also protect what’s inside, including furniture, computers, and any other equipment you use in your business. No matter how careful you are, unexpected events such as fire, frozen pipes, or vandalism can and do happen. Make sure you are prepared.
Even the most cautious business owner can be sued. An employee could damage your customer’s property; a customer could slip and fall in your store, or be injured by a product your company manufactures. Protect the business you worked so hard to build with the proper liability coverage. Our companies can provide you with a policy that is appropriate for the risks you face. In addition to protection from claims of negligence or damage, the policy will also help cover the cost of defense in the event you are sued.
We can provide your company with a business auto policy whether your company owns one van or a fleet of trucks. Do your employees use their personal vehicles to make bank deposits or run other errands for the company? Coverage for that can be provided as well since personal auto policies won’t cover vehicles damaged while being used for business purposes. Our carriers will customize a policy for you that will allow your company to run smoothly should it hit a bump in the road.
An inland marine policy is like a gymnast – very flexible. It can cover a wide range of mobile or specialized property from a landscaper’s mowers, to the stained glass windows of a church, to your goods and equipment while offsite or in transit. Protect assets like these and others important to your business with an inland marine policy. Our carriers can design a policy that is as specific to your business as the tools and equipment you use in it.
You’ve worked hard to build your business and it’s growing. Time to expand! When you’ve reached the point that you’re ready for a new or larger space, contact us about a builders risk policy. It will provide you with all the coverages necessary to protect you while your new building is under construction or your existing quarters are being expanded, remodeled, or repaired.
Employees are your greatest asset. If you have one or more it is required that you carry a workers compensation policy. Despite your best efforts to keep them safe, employees sometimes do fall down the steps or cut a finger in the workplace. Workers compensation will provide them with medical care and wages from lost time for work-related injuries or illness. Our carriers will also help you implement programs to keep your employees from falling down those steps and help them return to work should they miss one and break an ankle.
You’ve worked hard to build your business and turn it into a profitable enterprise. Having an umbrella, or excess liability policy, can help you save your business from bankruptcy when you get the call that your driver has missed a stop sign and caused a six vehicle accident. Or that the food you served at an event you catered last week was tainted with salmonella. Your underlying policies are adequate in most cases, but the limits could be exhausted if you are found liable for a large loss. Secure your company’s future with an added layer of protection.
You work hard to build your business and maintain its reputation. No matter how sophisticated your security system, problems such as employee theft, forgery, theft, and computer fraud sometimes arise.
Protect your company against these and other crime coverages with a policy specifically designed to cover losses or damages from criminal acts.
As much as your clients rely on you, and as careful as you are with advice, situations arise in which you find yourself being sued for negligence or causing financial harm. Protect your company and its reputation as well as you care for your clients with a professional liability policy. It covers you for losses normally excluded under general liability policies, and also pays defense costs.
A bond guarantees that a specific obligation will be met. One can be required for any number of reasons, from bidding a job to selling hunting and fishing licenses. Every company is unique and whether your business necessitates one bond a season or a steady stream, our carriers can provide you with a program that meets your needs and the expertise necessary to help your business grow.