Business insurance packages can be tailored for all types of businesses. Whether it is insurance for your Building, Business Property, Business Auto, Workers Compensation, Equipment, Inventory/Stock or Commercial Umbrella Liability, we offer products and services to protect your business. In addition, we offer Group Health and Retirement Plans.
See below for additional information regarding various lines of coverage for your firm.
Property Coverage - Business Auto - General Liability - Professional Liability - Workers Compensation. Also available for your firm are Group Employee Benefits, such as:
Medical Plans - Dental Plans - Vision Plans - Life & Disability Plans - LegalShield &/or Identity Theft
Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.
Property Insurance may cover two types of property losses:
Casualty Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.
Policies provide coverage for liability arising out of:
You may want to consider a Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy and which can help you save time and money on your total insurance program. And since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.
Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverages and deductibles and about tailoring a Business Auto plan that’s right for you and your business.
Workers' Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.
Workers' Compensation provides for the payment of four types of benefits:
A representative can provide you with complete details on Workers' Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.