Because we are independent of any one insurance carrier we can provide you with exactly the business insurance you need.
Business Owners Insurance Defined.
What is business owners insurance anyway? Business owners is actually the many different types on insurance that we put together to fit the needs of your business. There is no one size fits all answer. Please come visit us in person or give us a calland we can see what risks your business has and find the types of business owners insurance that is right for you.
Is to protect the business from risks imposed by lawsuits and similar claims arising from an insured’s liability due to damage or injury caused by negligence during performance of your duties or business.
Products & Completed Operations
Product liability provides coverage for legal liability a manufacturer incurs for producing or selling a faulty product. Completed operations covers the liability incurred by a contractor for property damage or injuries that may happen to a third party once contracted operations have ceased or been abandoned. This is applied to construction products or the manufacturing of consumer goods and medicines.
Building & Personal Property
Designed to cover direct physical damage or loss to covered commercial building and its contents from such perils as fire, theft, vandalism, wind, hail, etc. Earthquake and flood are some of the exclusions. They can be covered through another policy
Workers compensation insurance that provides payments to injured workers on the job, regardless of who is at fault in the accident for lost time from work, wage replacement, and medical and rehabilitation services.
Covers equipment and tools at construction projects and jobsites. The coverage follows the equipment from one jobsite to the next and while in transit. It protects against things such as theft, vandalism, fire, windstorm, and typically flood and earthquake as well. Coverage can be provided on a scheduled and/or unscheduled basis.
Directors & Officers
This liability insurance is payable to the directors and officers of a company or organization for losses in the event that the insured suffers a loss due to the result of a legal action brought against him for an alleged wrongful act.
Surety Bonds protect the obligee against losses resulting from the principal’s failure to meet the obligation within the terms of a contract. Fidelity Bonds are a form of insurance protection that covers the policyholder for losses that incur as a result of any fraudulent acts by specified individuals or loss that are caused by dishonest acts of its employees.
Employment Practices- EPLI
A type of insurance policy for business owners to protect their business from employee suits dealing with wrongful termination, sexual harassment, discrimination, emotional distress, etc.
Errors & Omissions
This type of liability coverage protects businesses from claims of negligence or failing to
perform professional duties or services‒ potential causes that wouldn’t be covered by general liability if legal action is needed.
A consultant works to survey your business to find effective ways in controlling loss from possible accidents, exposures, etc. Our management practice looks to reduce a possible loss and/or lessen the severity of a loss if it occurs by developing recommendations for safety within the business, property, and for employees.