We offer insurance packages that are tailored for different types of businesses. Whether it is insurance for your building, business property, equipment, inventory or company vehicles, we offer products and services to protect your business.
We strive to learn all we can about the firm we represent. We determine their exposure to loss, employ the means to mitigate those exposures, and then manage them to the best of our abilities. Our role is not simply to "sell" insurance but rather to review a client's exposures and recommend the best solution to save them from financial catastrophe. Protecting assets is serious business and we treat it that way every day of the year
Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.
Property Insurance may cover two types of property losses, direct and indirect. Direct losses may be covered when property is lost, stolen, damaged or destroyed. Indirect or consequential losses related to direct losses may also be covered.
Commercial General Liability Insurance
Casualty Insurance consists primarily of liability coverage's, which protect an insured party against injury or damage claims made by other parties.
Policies provide coverage for liability arising out of:
You may want to consider a Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy and which can help you save time and money on your total insurance program. And since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.
Business Auto Insurance
Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverage's and deductibles and about tailoring a Business Auto plan that's right for you and your business.
Workers' Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.