Business and Commercial Insurance

As a business owner, every transaction you complete is fraught with peril.

Protecting your business from the impact of potential customer lawsuits should be the first order of business. And while only a precisely crafted liability insurance policy can shield your business from this expense and stress, it’s usually the last thing business owners handle.

What does business liability insurance cover?

Liability insurance covers the costs of legal fees. 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

Other risks may be covered, including:

• Bodily injury
• Property damage
• Personal injury

Worried about the cost?

Our firm specializes in covering local businesses just like yours. We have everything you need, including:

• Monthly payment options
• Coverage of temporary staff:
• Past work
• Worldwide coverage
• Claims responsiveness
• Tailored coverage
• Knowledgeable agents
• Coverage for contracts
• Fast and simple

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll help you protect what matters most.

Even if your commercial vehicles are not the primary way your business makes money, it's 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.

Making sure the coverage for your commercial auto insurance is comprehensive is one of the easiest ways to protect your business. Don't hesitate, call today!

Worried about costs?

Don’t be. Commercial auto insurance is remarkably inexpensive.

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

Why do I need such comprehensive coverage?

When your employees use a company vehicle for business purposes, their personal auto policy coverage no longer applies in the event of an accident, property damage, or fatality caused by one of your employees.

What to expect from our company

At our firm, you’ll speak with an experienced agent whose main goal is to design a policy to fit to your particular business needs.

Whether your commercial vehicle is for occasional use, a possible new venture, or a daily necessity, we are here to make sure coverage is applicable and answer any questions you may have.

A cautionary tale

As one business owner found out, it’s always best to ask if you don’t know what type of policies you may need.

This owner had a love for fashion and a knack for finding gently used clothing. One day, she decided to take a leap of faith and open her own vintage clothing boutique.

It didn’t take long for business to start booming for the boutique. It wasn’t long before she had an epiphany: Why not complete personal deliveries for locals? 

It wasn't long before she was making deliveries when the unthinkable occurred: she backed into a young man on a bicycle. While he was not seriously injured, he was hospitalized overnight for monitoring.

The next day a claims adjuster called to inform her that since she was doing business at the time of the accident, the claim would not be covered by her personal insurance policy.

Stuck with a huge hospital bill and a letter of lawsuit from the biker’s attorney, she was forced to shut down her business.

Answer this one question:

Can you afford to expose your income, your personal property, and your employees to this high level of risk? If the answer is “no,” then we can help.

Why we're different 

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent, to be both affordable and responsive.

Contact us and let our insurance professionals help you protect what you care about most.

Cyber liability is a question of “WHEN” not “IF”

Data drives the organizations of today’s world. Businesses of all sizes have had a cyber attack or data breach, with the average cost to rectify rising to$6.5 million per occurrence.

One stolen laptop, one careless employee, a virus, or even paper records that fall into the wrong hands, can create a financial and reputational consequence affecting your business for years to come.

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 the 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 attacks, and 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

Who is cyber liability insurance for?

Cyber liability coverage is available for any business, small and large, nonprofit organizations, and retailers. You may be able to save on costs by bundling coverage with another policy to create a comprehensive suite of business liability coverages.

We can help you assess the risks to your business and get you the protection you need in today’s data-reliant world.

Why we're different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll help you protect what matters most.

Keeping your employees safe at work is important to most business owners. But when a worker does suffer an injury, workers' compensation coverage provides your employees with the protection they need, and also, provides you with peace of mind.

It’s the law, but…

Workers' compensation insurance is often mandatory for many businesses if they have employees, no matter what the job requires. It covers medical costs and a portion of lost wages for employees who become injured or ill on the job.

Workers' compensation is like an airbag for your business. When trouble strikes, it deploys to help your employees get back to work as fast as possible, minimizing the damage to your business.

If that sounds like a luxury to you, keep in mind, that it's probably a good thing for your business. Imagine having to pay for a slip-and-fall accident out of your business checking account.

It’s a good thing for you and your employees.

Workers comp insurance may also protect you from being sued by employees for workplace conditions when a court finds your company liable for causing an injury or illness to your employees.

What if it’s caused by employee carelessness?

Under normal circumstances, fault does not matter in a workers' compensation claim. And each state has its own workers' compensation system, which is a mandated program to compensate employees who are injured in a workplace accident or rendered ill because of the job.

It’s designed to ensure payment by employers for some part of the cost of injuries, or in some cases, of occupational diseases, contracted by employees in the course of their work.

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

Worried about the cost?

We specialize in covering local businesses like yours. We have everything you need right here, including:

• Monthly payment options 
• Temporary staff coverage 
• Claims responsiveness 
• Tailored coverage Knowledgeable agents 
• Coverage for contracts 

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll help you protect what matters most.

Some may believe farming is part of a simpler life, but farming today is more complex than ever.

If you are uncertain about what your policy currently covers, we can help.

We are farm insurance experts who will help make sure your farm operations stay insured. We have custom-fit policies for whatever Mother Nature may throw at you, such as:

• Traditional production farms and ranches
• Extra protection for expanding farms and ranches
• Smaller farms
• Customized policies

What’s covered?

Your base policy typically protects farm homes, buildings, machinery, equipment, and livestock. In short, all the coverage the average farm may require. Then, we'll tailor-fit your policies to meet your exact needs. 

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

Why we're different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll help you protect what matters most.

Contractors know that winning bids is essential to being a successful builder. But, just as important is protecting yourself from unnecessary risk.

A job site accident could lead to a major financial loss for an uninsured contractor.

Protection for every budget or job

Because every business is different, commercial insurance solutions for contractors can range from a basic policy to a thorough mix of coverages.

Also, the type of contracting business you own, size, number of employees, and type of work all have an impact on the types of protection you may need.

We understand you need to stay focused on work, and not the risks you face every day. That's why we work with multiple carriers to find you the best coverage at the most affordable price.

Insurance keeps working, even after the job is done

Even when the job is finished, there is plenty more work to be done. You may have connected the final fixtures, flipped the switch, and handed over the keys, but the potential liability from your work goes on.

Our insurance keeps protecting you from any accidents or faults that may allegedly result from work you’ve overseen or performed. In the trades, you need a solid contractor insurance policy that keeps working to protect you long after you have moved to the next job site.

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

What about the cost?

Understandably, price is always a concern for contractors. But, with a custom contractors insurance policy, you control what coverage you want to pay for, making it surprisingly affordable.

Why we're different

You may think you want the cheapest insurance you can find, but cheap isn't everything.

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll help you protect what matters most.

How much business could you do without the essential components you depend on daily? Hopefully, you'll never need to find out. Especially if you have a commercial property policy.

When most of us think of commercial property insurance, its easy to think about the big, pricey items first. But, it’s often the smallest pieces of your business that are the most important.

Luckily, a great commercial property insurance policy will help you weather the loss of vital property. With this policy, you will be protected from the replacement cost of all of your vital property.

Worried about the costs?

We make every effort to keep insurance costs low while protecting what matters most to you.

Our business commercial property insurance can protect your business – from a minor setback to catastrophic loss. Even if you don’t own your building, lease a workspace, or work from home, business property insurance protects your business’s physical assets, no matter where they are.

While commercial property insurance plans vary depending on the kind of business and type of property insured, they are usually categorized by the type of event leading to a loss, and by what specifically is insured, including:

• Destruction of your building and its contents by fire.
• Damage to your documents caused by a burst water pipe.
• Outdoor signs or other property damaged in a storm.

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. That’s why we take the time to help craft a commercial building insurance policy to fit your unique needs, 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 service failure or damage
• Inflation allowance

Why We're Different

You may think you want the cheapest insurance you can find, but cheap isn't everything.

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll help you protect what matters most.