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Businesses of every size have unique insurance needs. Some insurance coverages are required by law, some are required by your bank or secured lender and some just make good business sense. Your business is different than any other business. For this reason we feel strongly that to be able to provide the proper insurance to protect your business we need to understand what makes your business special. By learning about our customers we can be sure we are providing the most appropriate coverage and advice.
Descriptions of Basic Business Insurance coverages are provided to give you easy overview of coverage that all businesses should contemplate. We urge you to
contact us to discuss your business' needs so we can provide a comprehensive and customized assessment of your risks.
Workers' Compensation Insurance: The State requires all employers to carry Workers' Compensation Insurance. This coverage pays the medical bills of workers injured on the job. If the employee cannot return to work this insurance pays the employee a replacement wage. Some insurance companies specialize in large companies while others specialize in small companies. Let us show you the most cost effective solution.
Property Insurance: If you have property or equipment that is financed or leased your lender/lessor will probably require that you insure that asset. Property Insurance provides coverage for loss or damage to buildings, equipment, furniture, fixtures, inventory and more. It also can provide payment for interruption to your business or increased operating costs due to a loss. A property policy defines the "causes of loss" for which claims will be paid. Let us work with you to put in place a policy that provides the appropriate coverage. We will then clearly explain to you what that policy covers before you have a loss.
Liability Insurance: Anyone who makes a product, sells a product or provides a service has a liability exposure. Liability Insurance provides coverage for claims made against your business for negligence. Everything from a customer slipping on a banana peel in your lobby to a complex product liability claim. The cost of defending these cases alone is often enough to permanently impair a business. Let us work with you to secure adequate liability coverage at a
competive price.
Business Automobile Insurance: If your company owns or leases any cars or trucks the state requires that you insure those vehicles. The Business Auto insurance marketplace is more price flexible than the Personal Auto marketplace. Let us find you the most cost effective policy for this risk.
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