Commercial Insurance

Protect your most valuable asset, your business

The main goal of your commercial insurance program should be to protect your company from catastrophic claims that could impact your ability to remain in business. After analyzing your current coverage, our agency works with our carrier partners to eliminate gaps and deficiencies in coverage to find the best value, which means comprehensive coverage through a quality insurance carrier at a competitive price.

Coverages for Your Business:

Business Auto

Covers third party bodily injury and property damage while also protecting your own vehicles in the event physical damage occurs.

Property Insurance

Protects building and business personal property, such as furnishings or equipment, damaged by a covered cause of loss.

Business Income

Provides payments meant to cover the net income and continuing expenses of the business if forced to suspend operations due to a covered cause of loss.

General Liability

Protection for bodily injury and property damage you cause to a third party.

Employee Benefits Liability

Covers errors and omissions that arise from the administration of the company’s employee benefit plans.

Workers' Compensation

This coverage has two parts. The first covers medical bills and lost wages for employees who are injured on the job. The second provides employer’s liability coverage in the event the company is named in a lawsuit.

Umbrella/Excess Liability

Offers higher liability limits over what General Liability, Auto Liability, and Employer’s Liability provides to protect against catastrophic claims. Any business with assets to protect should consider this coverage.

Flood Insurance

Protects buildings and/or business personal property from rising water.

Commercial Crime

Protection from losses connected with business-related crime such as employee dishonesty.

Inland Marine

Coverage for business property that is mobile in nature, such as construction equipment.

Professional Liability

Covers errors in your professional work or design that cause economic or financial harm to others.

Pollution Liability

Covers bodily injury, property damage, clean up, and defense cost for hazardous waste, gas (liquid or vapor), or smoke caused by you or your products at your location or away from your premises.

Cyber Liability

Offers first party coverage for when your business is targeted by a cyber attack as well as third party coverage when malicious parties steal your client’s personal and propriety information.

Management Liability

Also called executives liability insurance. These coverages protect directors, officers, managers, and business entities:

  • Directors and Officers – Personally protects officers of a company
  • Employment Practices Liability – Covers discrimination, sexual harassment, and wrongful termination claims
  • Fiduciary Liability –Protects parties against liability for a breach in duty managing or administering employee benefits plans (e.g. retirement plan, self-funded health plan, etc.).

A written agreement to guarantee compliance, payment, or performance of an act. The bond will pay as required in the contract when a guarantee is not fulfilled.

Additional Services

Workers’ Compensation Audits

We partner with a third party Workers’ Compensation audit recovery team that corrects insurance carrier errors. Successful audits can result in reimbursement payments for previous years and provide future premium savings.