Going the Extra Mile for Your Business
Commercial automobile insurance is for covering vehicles used in conducting the day to day needs of your business from cars, trucks, vans, and SUVs. Whether you're a small business owner or a company with a large fleet, commercial vehicle insurance delivers coverage for usage and instances not found or excluded on a personal auto policy. Our companies offer competitive rates, broad coverage, and comprehensive broadening endorsements to customize your insurance to fit your needs.
Protecting Your Business Assets
Whether your type of business requires that you carry general liability or not, it makes good sense to protect your investment from outside threats many face in our litigious environment. General liability insurance can secure the assets of your business if a claim is made involving either injury or property damage. Your commercial general liability coverage can be a stand alone policy, a part of your commercial insurance package, or Businessowners Policy (BOP).
Protecting Your Goods
Inland Marine insurance covers your property in transit and property that is often used away from your premises. Almost every company has the potential for loss on property that is not adequately covered by their commercial property insurance. Our agents understand the coverage and will help you determine if your business needs a commercial inland marine policy.
The Foundation of Your Business
Business property insurance protects your business' physical assets from unexpected loss. Whether your company is small or large your future may depend on having the right coverage in place for your building, furniture and equipment, inventory, signs, and even property of others. Every business is different so it's important that your property insurance package is tailored to fit your needs.
Besides just replacing or restoring your lost or damaged property, consider the following coverage:
- Business Income & Extra Expense - in the event your business is unable to perform its day to day operations due to a covered loss, would you be in a position to pay your employees and your bills in the interim until operations can resume?
- Mechanical Breakdown - without this valuable coverage, could you afford to repair or replace your equipment if it simply broke down due to mechanical failure? Could you afford relocation costs in the event mechanical failure closed your operations until it was resolved?
- Electronic Equipment and Data - computers are becoming more and more essential everyday in the operation of a business with many business using customized software and databases. This coverage can provide for the cost of the devices as well as the cost to research or replace damaged data.
- Money and Securities - replaces funds and investments used in your business should they become lost, stolen, or destroyed.
- Crime - can your business withstand a wrongful act committed by your employees?
These are just a few coverages to consider to insure your business is protected against loss. Contact one of our experienced agents for a comprehensive review of your business insurance needs
Employment Practices Liability (EPLI)
Everyday we read newspaper reports about companies being sued by an employee over an alleged wrongful act. EPLI insurance provides protection for you as an employer from claims arising from employment related issues, such as: wrongful termination, failure to hire or promote, discrimination, harassment, and employee privacy violations. Would you be protected if an employee accused your company of one of these acts? Chances are you wouldn't if you don't have EPLI coverage.
Directors and Officers Liability (D&O)
When a lawsuit is brought against a company, the directors and officers are often also named personally as defendants, placing their personal assets in jeopardy. D&O insurance is generally purchased by the company for the benefit of the board members who can be held personally liable for acts of the company for claims made by stockholders, employees, clients, and even government regulatory agencies. Directors and Officers Liability most often includes Employment Practices Liability and Fiduciary Liability.
If your company has a 401(k) or other qualified employee benefit plan, ERISA defines the responsibilities of those that make decisions about the plans. Did you know you could be held personally liable for losses to the plan?
Errors and Omissions (E&O)
Errors and Omissions (E&O), also known as Professional Insurance protects you or your company should a client claim a service provided was not up to par. Not only does it protect you as an individual, but it can extend to employees, subcontractors, mistakes, or errors.