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Property Insurance

Property Insurance protects against loss or damage to the location of the business and the contents. It can also insure the property of others in your control when the loss occurs. Property Insurance can be for a specific risk. A fire insurance policy insures only against a fire loss to the location. In the event that a bad storm caused damages, the loss would not be covered.
The insured location can be owned, leased or rented.

Casualty Insurance

Some insurers provide Casualty Insurance and Property Insurance as a package. Packaged policies of Property and Casualty Insurance are frequently a good business purchase. Casualty Insurance insures against loss or damage to the business.

Liability Insurance

Liability Insurance insures against liability legally imposed upon your business due to purported negligence on the part of the business or its employees. It protects a business when another party presses charges for negligence.

Commercial Auto

Your personal Automobile Policy does not cover vehicles used for business purposes. If it requires a title, then a commercial auto policy is necessary. Commercial auto coverage insures against property damage to vehicles and damage caused to others by those vehicles.

Workers Compensation

Workers Compensation insures your employees against on-the-job injuries. Employees are not allowed, by statute, to sue their employer for on-the-job injuries. Iin return, the employer must participate in this system which provides payment to the injured employee for medical bills and damages. Some states allow an employer to opt out of the system if the employer is self insured. Other states run the system through private insurers or through state agencies.

Business Interruption

Business Interruption Insurance insures against loss or damage to the cash flow and profit of a business caused by an interruption in business operations, such as in the event of damages to vital equipment. The repairs to the machine might be covered by other policies (property or casualty insurance). The loss of profit during this time can be replaced by this type of coverage.

We invite you to call or email us today for a free consultation and no-obligation proposal for any or all your insurance needs. We look forward to hearing from you. CALL OR EMAIL US TODAY! Or you can use our convenient online form to get in touch.