Your Business Needs Protection
With so many lawsuits, on the job accidents, hackers, dishonest employees and more – it is more important than ever to protect your business from the crippling effects and time of litigation.
All businesses are unique and no one size fits all when it comes to business insurance but it is important you understand your options and go in with eyes wide open when you are shopping for commercial insurance.
Commercial or business insurance is a little bit different than personal policy quoting. When shopping for business insurance, it’s important to know that an insurance company will quote a business for one agent only, and will not provide the same quote to a different agent. That is why it is so important to work with an agent that has a wide variety of insurance companies that they work with so you can get the most options!
And lucky for you – we work with one of the largest independent brokerage teams in the country. We are a proud member of The Ahbe Group (TAG), which is licensed in 45 states. Not only can we help you as your business grows and expands we also have the power to get you the service you need when you need it most!
What is generally covered on a business insurance policy?
Every business is different but here are the most common business insurance coverages. Discuss your specific needs with one of our experienced agents to be sure you have the right coverage for your needs.
Business Owners Policies
If you own a business, you may need an all-encompassing policy to cover your business. These are package policies that cover your building whether you own or rent a building, includes general liability, equipment coverages and more. If you have loans on your business this may be a required coverage.
If you have a business that doesn’t include property, then a General Liability policy may be best type of policy for you.
Whether you own, rent, lease, or borrow one vehicle or a Fleet of vehicles, we offer policies that will protect your businesses auto insurance needs, including hired and non-owned autos, comp and collision, glass coverage and more.
A workers comp claim can devastate a business that isn’t protected. Workers comp can provide coverage in the case of injuries or death on the job. Many insurance carriers also offer training on how to avoid workplace accidents, help you with safety policies and more which can help keep your premiums lower.
Your Business policy or commercial auto policy may NOT provide you enough protection for specific risks that are associated with your business. In these cases, you can add extra liability coverage in a form of an umbrella policy to provide you even more protection at an affordable rate.
Errors and Omissions
We all make mistakes; E&O coverage is a specialty coverage that covers claims that arise out of your professional services, including acts, the failure to act and negligence. E&O will pay for legal fees and will pay for damages if you are found to be at fault for your client’s loss or injury.
If you own a bar and/or a restaurant, you can be sued for over serving patrons who get in car accidents. We can provide you with liquor liability to help protect you against these types of situations.
We offer many various types of bonds, from Tax, Vehicle, Notary, Contracting and many more types of bond coverage.
Special Events/one day policies
If you are having a one-day event, BBQ, festival etc., we can provide you with a policy that has liability coverage for only one day or for multiple days.
If your business owns equipment, we can provide coverages for your equipment breakdown and help get you operating at full strength.
Employment Practices Liability
If you have employees and they file a lawsuit against you, we can provide coverage for employment practices. EPLI coverage protects you from lawsuits stemming from claims made by employees for Discrimination (age, sex, race, disability) harassment or wrongful termination.
If you work online, have a credit card machine, or store customer data online, you may want to look into cyber liability insurance. Data breaches occur often and a cyber liability policy will generally cover your business’ liability for a data break involving sensitive customer information, such as Social Security numbers, credit card numbers, driver’s license numbers, and health records.
Some of the businesses we specialize in helping are:
Auto Repair Facilities
New Businesses and More!
How do I get a quote?
Fill out the form below or give us a call and we will be happy to do a thorough assessment of your business insurance needs and help you decide what coverages you need to protect your business and then we will shop the market to find you the most competitive quote for your needs.
GET AN INSURANCE QUOTE
Give us a call or fill out the form below to get started on a quote for services.