Commercial Lines
Business Liability Insurance
What does business liability insurance cover?
Liability insurance covers and protects you company's assets and covers the cost of legal fees and obligations. Imagine the peace of mind you’d have knowing that in the event of a claim, your assets are safe.
Liability insurance is appropriate for any business that could face potential lawsuits. There are four types that you may fit your needs:
- Personal Liability
- Business Liability
- Professional Liability
- Public Liability
There are other risks that may be covered, including:
- Bodily injury
- Property damage
- Personal injury
Commercial Auto Insurance
Even if your commercial vehicles are not the primary way your business makes money, its always smart to properly insure the vehicles you depend on as a business owner.
Commercial auto insurance is different than personal vehicle insurance. In many cases, not only are there multiple vehicles to cover, but also the liability from accidents or claims that will extend to your business as a whole.
What should my business auto policy cover?
Commercial auto insurance coverage may include:
- Comprehensive and Collision
- Emergency Roadside Assistance
- Liability
- Medical Payments
- Loss of Earnings
- Uninsured Motor Vehicle
Commercial Property Insurance
What business property insurance covers
Small business property insurance is one of the easiest ways to ensure the future of your business. Here are some of the important aspects that commercial property insurance helps protect:
- Your building
- Your outdoor sign
- Your furniture and equipment
- Your inventory
- Your fence and landscaping
- Other’s property
The professionals at our firm understand your business is unique. Therefore, we take the time to help craft a commercial building insurance policy to fit your unique needs by offering a wide range of options that give you both flexibility and protection at a price your business can afford.
Common types of coverage may also include:
- Completed value coverage
- Updated building codes
- Loss of business income
- Equipment breakdown coverage
- Flood insurance
- Utility services failure or damage
- Inflation allowance
Contractors Insurance
What does contractors insurance cover?
The list of coverage areas that need to be addressed in your contractors insurance include:
- Property in transit
- Workers Compensation
- Trucks and other commercial vehicles
- Errors and omissions
If your contractors insurance misses any of this protection, your job and your company could be at serious risk.
Do you need construction insurance?
Any person or business working in construction trades: building construction, heavy construction, or home improvement. We offer coverage for every trade, including:
- Contractors Insurance
- Carpenter Insurance
- Plumber Insurance
- Handyman Insurance
- Electrician Insurance
- Masonry Insurance
- Security Company Insurance
- Home Builder Insurance
- Developer Insurance
- Renovation Insurance
- Welding Insurance
- Artisan Insurance
Cyber Liability Insurance
What does cyber liability cover?
With a comprehensive cyber liability policy, you can feel confident you’re covered in case of data breaches and related issues, including:
- Data compromise protection to cover employee and customer information if your data should ever be hacked, stolen, corrupted, or subject to procedural errors or internal fraud
- Legal cost protection incurred by legal reviews
- Forensic services to assist in determining the nature, extent, and perpetrators of an electronic breach
- Personal services for any persons affected, which may include help line services, credit monitoring, and case managers for identifying theft victims
- Public relations costs paid for firms to review and respond to the potential impact of the data compromise
- Costs of legal defense, in an event that the company is sued due to the breach
- Identity recovery protection to identity fraud victims and restore their credit history and records. This includes owners, employees, and family members
We can help protect your business against damage to electronic data, virus or malware attack, liability to third parties, and also help recover the cost of:
- Restoring and recreating data to your system
- Restoring systems to pre-attack levels
- Lost business and unforeseen expenses
- Public relations services to communicate with outside parties concerning a computer attack, as well as your public response
Errors and Omission Insurance
Yes, you can be sued, even if you didn’t do anything wrong
The simplest clerical error or proofreading mistake (even one made by a trainee) can cost you, especially if it results in financial loss or damage to the reputation of one of your customers.
That’s why it’s important to understand the extent of your business liability insurance since it only protects your operation against bodily injury, property damage, or advertising injury.
Who needs E&O insurance?
- Doctors
- Lawyers
- Accountants
- Architects
- Engineers
- Wedding planners
- Printers
- Building-trades contractors
- Designers
- Advertising agencies
if your service is possible to be done incorrectly or late, and it costs your client money or harms their reputation, you need to investigate E&O.
Farm and Ranch Insurance
Coverage for your farm or ranch may also include:
- Disruption of farming operations
- Identity fraud expense coverage
- Earthquake coverage
- Farm machinery and equipment replacement
- Peak season coverage endorsement
- Sewer/sump pump backup
- Temperature sensitive endorsement
- Household property protection
Your operation is more than a business, it’s a legacy and your livelihood. Let us help you protect what you care about most.
Standard policies may include:
- Rental reimbursement
- Equipment breakdown
- GPS equipment
- Cab glass repair or replacement
- Foreign object damage to combines
- Damage during towing and hitching
- Farm machinery contact with roadbed or ground
- Borrowed farm machinery
- Fire extinguisher recharge
Workers Compensation Insurance
Workers compensation basics
Since workers comp insurance typically only covers injuries or illnesses when they occur as a result of duties performed on the job or while at work, the scope of the coverage of the policy is limited to duties performed by employees.
Injuries that may be covered by workers comp insurance include lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury, due to fires or explosions.
Workers Compensation Insurance may cover:
- Medical bills for employees hurt or sickened at work
- Ongoing care, including rehabilitation
- Wages missed while recovering
- Employee lawsuits over injuries
- Funeral expenses, if an employee is killed on the job
- Death benefits to support the deceased's family
It does not cover:
- Third-party lawsuits
- Lawsuits over professional errors
- Wages for a replacement worker
- Parental leave benefits
- OSHA penalties