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| What do I need to know about Business Insurance? |
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| Commercial insurance is designed to help protect many of the risks your business can face, including: damage or destruction to your business vehicles, buildings, office equipment, and inventory. A commercial policy can also provide reimbursement for Loss of Income, in case you have to close-up shop temporarily because of a covered loss. Other optional coverages include crime coverage as in robbery, burglary, and even employee dishonesty. |
| What are my coverage options? |
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| There is a wide range of commercial coverages available, as well as an array of choices for limits and deductibles. If you own a small or large business, our agents will help you tailor a business package policy that may be most appropriate to you. Professional expertise and a full understanding of the business is essential in placing any commercial risk. |
| What are the benefits of Commercial Auto Insurance? |
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- Liability Coverage: In case you’re sued as a result of an auto accident.
- Collision Coverage: Helps cover physical damage to your vehicle due to collision or upset.
- Comprehensive Coverage: Helps cover physical damage to your vehicle due to fire, theft and glass breakage.
- Rental Reimbursement Coverage: Helps cover the cost of a replacement vehicle for a specified period of time when your vehicle is disabled due to an insured loss.
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| What are the benefits of Workers Compensation Insurance? |
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| Workers compensation insurance provides for the well being of your employee's and promotes a positive work environment. Be aware that some states have passed laws that makes Workers Compensation mandatory once a business has employees on payroll. Workers compensation insurance was created in order to pay employees. medical expenses and loss of wages in the event of a job related injury or sickness. |
| What are the benefits of Business Owners Insurance? |
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Commercial insurance is designed to help protect many of the risks your business can face, including:
- damage or destruction to your business vehicles
- certain liability exposures resulting from the operation of your business vehicles
- damage or destruction to your office equipment or inventory
- loss of income in case you have to close-up shop temporarily because of a covered loss
- certain business related liability exposures such as, wrongful entry or search, libel, slander and even certain offenses arising out of your business’s advertising
- risks to your cargo while in transit or storage
- theft or loss of tools and equipment
- crime coverage including robbery, burglary, even employee dishonesty
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| What are the Benefits of Liability Insurance? |
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General Liability Coverage includes:
- Bodily Injury Liability Coverage: Help protect you incase injuries occur to other people resulting from your operations.
- Property Damage Liability Coverage: Protection incase damage occurs to the property of others.
- Personal Injury Liability Coverage: Helps provide you with protection for offenses such as false arrest, libel, slander and wrongful entry.
- Advertising Injury Liability Coverage: Helps cover your legal liability for a variety of offenses arising out of the advertising of your business’s goods and services
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