What do I need to know about Business Insurance?

Commercial insurance is designed to help protect many of the risks your business can face.

What are my coverage options?

Our agents have a wide range of 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 in tailoring a business package policy that may be more appropriate to you. Consider enhancing the basic coverages with specialty markets.

What are the benefits of Commercial Auto Insurance?

• Liability Coverage:In case you are 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.

What are the benefits of Workers Compensation Insurance?

Workers Compensation insurance provides for the well being of your employees and promotes a positive work environment. Be aware that some states have passed laws that makes Workers Compensation mandatory once a business expands to four or more 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 Commercial Insurance?

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

What are the Benefits of Liability Insurance?

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.