BUSINESS INSURANCE
We do have the ability to do quick quotes for some types of business insurance. Unfortunately we do not have the ability to provide our clients a direct portal to this source. We have an e-mail form on the quote page or you can do a phone interview with one of our agents. Below is a partial list of types of business insurance coverages. We hope you find this information helpful.
Business Owners Policy (BOP) : A BOP is a combination of Business Property and Business Liability Insurance that is designed to cover losses such as fire, theft and other losses such as bodily injury or advertising losses. These types of coverage would also include types of property damage. A lot of these policies are custom programs designed for specific types of businesses such as restaurants, construction, lawyers and retail stores.
Commercial Auto : Whether you have a car or trucks you use just for work or you use your vehicle for both work and personal, Maybe you need coverage for when an employee uses their personal vehicle for your business. We can help you determine the right coverages your business needs.
Directors & Officers Liability (D&O) : D&O coverage protects directors or officers of a corporation from personal liability in the course of managing the business. Even a small business or charity organization can need this type of coverage however, it is very necessary for publicly traded companies and charities that have board members, directors, and officers that run the organization.
General Liability : This type of coverage will protect you if someone gets hurt on your property or your advertisement damages in some way. Maybe you damage someone’s property. This policy will provide lawyers to represent you, provide money (less deductible) to pay for damages.
Professional Liability (AKA) Errors & Omissions : E&O Coverage protects professionals and their companies that provide a service, Lawyers, Wedding Planners, Financial Service Providers, Insurance Agents, Doctors and many others all need and sometimes require E&O Coverage.
Commercial & Surety Bonds : There are multiple types of bonds used in business. You may be required by law to maintain a bond to do business in your state or with the federal government. We can use our training and experience to help you through this process.
Workers Compensation : Depending on which state you are in and how big your company is you may be required to have this coverage the same way you are required to have auto coverage. This policy protects you and your employees in the event that there is an on the job sickness or accident.
Group Health Insurance : From small to large groups of employees we can find the right product to provide the coverages that enhance your employees benefit package.
Life and Disability Insurance : Life and Disability Insurance group policies are regularly used to provide a more complete benefit package to your employees.
Supplemental Benefit Programs : These policies provide additional benefits for specific illnesses such as cancer. There are policies that cover a variety of critical illnesses and they can be company provided or payroll deductible.