Value Statement: "We are committed to treating our clients with fairness and respect. We strive to educate insurance prospects and clients alike about the potential risks for loss unique to them individually, and the products that are available to secure them from financial loss. It is our commitment to serve all members of our community with expertise and financially sound insurance products."
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Comprehensive general liability coverage insures a business against accidents and injury that might happen on its premises, as well as exposures related to its products. It will protect you from payments for bodily injury or property damage to a third party, for medical expenses accruing to the underlying incident, for the cost of defending lawsuits including investigations and settlements, and for any bonds or judgments required during an appeal procedure.
No matter how diligently you remove all possible hazards from your business, you could be sued successfully for accidents resulting from simply the carelessness of a customer. General liability insurance is your last line of defense against devastating claims for things over which you may have little or no control.
For the small to mid-sized company seeking business insurance, a well-tailored Business Owners Policy provides a wealth of coverage for a bargain price. This type of commercial insurance protects both real and personal property; income lost because of interruptions in business operation and liability protection. A Business Owners Policy does not include coverage for professional liability, automobiles, worker's compensation or health and disability benefits for your employees.
Worker's compensation protects an employer from liability for an accident involving an employee.
This insurance pays benefits to your employees if they are injured on the job. Specifically, it covers their medical bills, a portion of lost wages, vocational rehabilitation and death benefits. Almost every state requires by law that employers carry some form of worker's compensation insurance. Because the coverage amount is established by state law, benefits do not vary from company to company within the same state. Employers are protected by statute against other work injury liability, except in cases of extreme negligence.
Failure to carry it exposes the employer to pay what the insurer would have paid, plus severe fines, and possibly jail time for violating the law. The benefits may amount to hundreds of thousands of dollars. The employer has a legal duty to ensure that employees get the legally mandated benefits without delay.
Just as homeowners insurance protects a homeowner from the full cost of repairing unforeseen damage to a house, commercial property insurance protects businesses against damage to their buildings and contents. In the event of damage caused by fire or storm, for example, commercial property insurance can help repair or replace the buildings, inventory, equipment, machinery, and other business property affected.
Commercial property owners, both those operating a business on their property and those leasing property to another entity, can purchase policies that protect the building and associated structures. A property owner's policy, however, will not protect tenants from loss. Business owners who lease their property may buy policies that protect the building's contents, such as machinery, furniture and stored or displayed merchandise.
serves as protection against liability for bodily injury and property damage relative to your ownership, maintenance, or use of vehicles involved in doing business. Coverage also includes attorney fees, court costs and payment to the injured person. Trucks, certain motorized equipment, buses, and many types of vehicles can all be afforded coverage, in addition to the standard automobile. You may also need non-owned and hired auto liability coverage for vehicles your employees use or that you rent or borrow.
acts as an excess liability policy, providing additional coverage above and beyond that of primary policies. In addition, umbrella insurance may provide coverage for areas where you are not insured, coming into effect once a certain deductible is met. This coverage is almost always worth considering since it provides a valuable safety net for you and your business. However, umbrella policies are often not standard and there can be exceptions to coverage.
will reimburse you for the loss of earnings (profit) due to an interruption in your operations. In situations such as the destruction of your business location, this coverage could provide you with the resources to take care of utilities, payroll, loans, and other obligations while the business is in the process of being restored.
covers products you may manufacture or sell, or covers your services if you are, for instance, a mechanic or house painter. A minimum of $1 million is the usual recommended coverage for businesses dealing with the general public. These policies add another layer of protection should a product liability suit arise, generally have low costs, and have become common practice for companies in food retailing, wholesaling, marketing and manufacturing.
Bonds provide financial security and protection. We provide surety, bid, fidelity, and other types of bonds required for you to perform business.