 We know just how important your business is to
you. As a business owner you have a lot to protect. That's
just one of the reasons why we take the time to...
- Analyze your
business needs.
- Develop a plan that
is customized and responsive to your own specific situation.
- Offer you
competitive pricing that is reflective of your exposure and experience.
Running a business in
today's economy is a challenge, but can also be very rewarding.
Although keeping up with day-to-day operations takes up most of your
time, you also must take all necessary precautions to safeguard your
business from loss.
Whether you own an
office building or a coffee shop, we offer the right combination of
coverages to meet your needs.
Our many products and
coverages can be tailored to meet your business insurance needs.
Furthermore, our Business Policies are customized and responsive to
your specific needs, no matter how big or small.
As your quality
independent insurance agency we can offer the following insurance
coverages for your business.
- Business
Automobile - this
coverage is available to protect your business from the liability
associated with operating automobiles. Coverage is available for owned,
non-owned, and hired vehicles including autos, trucks, vans, tractors
and trailers. Physical damage coverage is also available.
- Commercial
Liability -
provides coverage including defense for liabilities associated with
operating a commercial business enterprise. Policies are tailored to
meet the specific risk management needs of your business.
- Commercial
Property - provides
coverage for your buildings and contents. Coverages range from specific
named-perils policies to broader all-risk policies.
- Directors
& Officers -
designed to protect the directors and officers of your organization
from damages and defense costs due to civil claims, claims of
negligence, and of errors and/or omissions.
- Employment
Practices Liability -
provides coverage for defense costs and liability arising from
allegations of improper employment practices, sexual harassment, and
discrimination.
- Home Based
Business -
homeowners insurance does not necessarily cover many home
business-related claims. This could mean a major loss of income, as
well as other significant losses, for your home business. If
you have a home based business consider contacting us to discuss proper
coverage options that offer both protection and affordability.
- Inland
Marine - provides
coverage for business assets and hardware while these items are off
premises.
- Ordinance
or Law Coverage - one
of the most needed types of coverage is also one of the most commonly
overlooked, or even known about, by consumers. It's called
Ordinance or Law Coverage. As your building becomes older
certain changes in your county's building codes and ordinance change to
reflect new standards for construction. If your older
property suffers a substantial loss, fixing it may require a higher
construction standard to reflect new laws, therefore simply replacing
your property as it was just isn't good enough to meet these new laws
and codes. Ordinance or law coverage pays for these upgrades
in building standards.
- Professional
Liability -
provides coverage for defense costs and awards for liability arising
from improper professional practices and errors and omissions in the
conduct of business activities.
- Special
Event Coverage -
provides third party liability coverage for a short term special event.
-
 Umbrella
and Excess Liability -
this coverage complements your
property/liability program and
provides additional limits of coverage. In today's litigious society,
smart business people protect their investment with umbrella coverage.
- Workers'
Compensation - this
coverage is designed to meet the workers' compensation laws of your
state. Workers' compensation coverage provides protection for injured
workers and supporting protection through employer's liability coverage.
The companies we
represent may even offer you the opportunity to package many of these
coverages within a single policy.
- Benefits:
- Group Health
- Group Life
- Group Dental
- Group Vision
- Employee
Retirement Plans
- Hospital/Accident
Plans
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