Business and Commercial Insurance

Your business is your livelihood and we know how important it 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 a customized and responsive to your own specific situation.
Offer you competitive pricing that is reflective of your exposure and experience.

Whether you own a manufacturing plant, auto body shop or corner coffee shop we are the answer to your insurance needs. Our many product and coverage can be tailored to meet your business insurance needs no matter how big or small.

THINGS TO CONSIDER

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. Coverage’s 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.

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.

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.

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.