Business Insurance

Business insurance is a broad term for insurance that covers many aspects of business-related needs. Companies will require business insurance for property damage, employee-related risks and legal liability for their operations. The scope of each type of business insurance will depend on a company’s potential risks and the type of its working environment. We understand that your business means everything to you and we would like to help you protect it with a variety of business insurance at your disposal. Let our insurance professionals work with you in putting together the optimal blend of insurance products that your business requires.

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Small Business

Every business starts small and we are cognizant of the fact that business owners have a lot on their plate in keeping the business running smoothly. It is the reason why we have a Small Business insurance package to introduce to small business owners so that they can protect their business in the ways that count. Ideally, small business insurance should have property insurance (for the structure and its contents), liability insurance (depending on the nature of your business) and workers compensation (for the employees that work for you). Every insurance policy can be tailored to meet your specific needs.

Commercial Package Insurance

When your business has grown considerably from when it was a start-up, a small business insurance may no longer suffice. You may need to move up to a Commercial Package Insurance which provides greater protection and additional coverage. Basic business insurance for liability and property are a must especially for business that deal with light manufacturing, processing, retail and office. You may also need commercial automobile insurance if you have a fleet of cars that you use for your business. Inland marine coverage is also essential if you regularly transport property or materials.

Commercial Automobile

Transportation is essential to any business whether it’s ferrying people or products or materials from one point to another. If you have a group of vehicles which you use for your business, you need to invest in a sound commercial automobile insurance policy that can protect you against liability from physical injury and property damage, provide medical payments for the injured and death benefits for the deceased, coverage against underinsured/uninsured motorists, and provides financial relief from physical damages to your own vehicles as a result of collision or other causes.

Workers Compensation

Workers compensation is a must have for every business because what business doesn’t have any employees? Workers compensation takes care of your workers’ financial benefits in the event of an accident in the workplace that leaves your workers injured or in worst cases, dead. It provides for medical expenses, payment of lost wages while your employee is recuperating and funeral and death benefits to the beneficiaries of the deceased employee.

Commercial Umbrella

It’s always prudent to have a safety net in place when it comes to business. The commercial umbrella insurance is your safety net when your liability insurance reaches its peak. It provides additional protection in cases where the liability damages resulting from negligence in your operations have reached alarming proportions. Your insurance company will determine the conditions should you apply for a commercial umbrella policy.