COMMERCIAL INSURANCE
As a business owner, you have enough on your mind without having to worry about your insurance needs. You want to have the confidence that the business you've built is covered by a company that understands your business insurance needs.
Commercial business insurance provides wide-ranging protection for businesses and their subsidiaries under a single policy. There are various types of commercial business insurance that take care of property, liability, and workers' compensation, to name a few. While property insurance covers damages to business property and products stored within the premises; liability insurance provides coverage for damages to third parties, and workers' compensation insurance covers injuries to employees.
Commercial business insurance is an important aspect of any business that cannot be ignored especially if the business premises are leased or rented and even otherwise. Whatever your commercial insurance needs, we can design a protection program that's right for you.
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The basic BOP offers business property for both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and the liability from your products or completed operations.
Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss.
BOP policies do not contain all of the coverages needed by a small business. Notably they do not cover any workers' compensation, professional liability, or business vehicle coverage.
Auto Home & Personal Insurance
Personal insurance products provide our customers with protection for their homes, automobiles and personal possessions, along with personal liability coverages.
Builders' Risk Insurance
Builder's risk insurance is a policy that is designed to provide coverage for buildings while under construction. It covers the contractor’s interest in materials at the job site before they are installed, materials in transit intended for the job, and the value of the property being constructed until it is completed and accepted by the owner.
Business Insurance
As a business owner, you have enough on your mind without having to worry about your insurance needs. You want to have the confidence that the business you've built is covered by a company that understands your business insurance needs.
Business Interruption Insurance
Business interruption insurance is critical if your business suffers a property loss that could cause the business to slow or close down while repairs are made. This may mean a complete or partial revenue loss depending on the time frame and the damage.
Business Owners Package Insurance
Business Owners Package policy, commonly called a "BOP", contains many of the insurance coverages needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements. The basic BOP offers business property for both building and contents, and liability insurance protection for the operation of your business.
Cargo Insurance
Cargo insurance is an insurance policy designed to protect against loss of or damage to your goods while they are being transported. The policy is meant to indemnify you if there is any loss or damage to your cargo.
Church Insurance
Your congregation has a substantial investment in your church. It’s not only a place of worship, but a community gathering place for activities of all kinds. If church property is damaged or destroyed you’ll want to replace it.
Commercial Auto Insurance
A commercial auto insurance policy is required under most circumstances when the vehicle is used for business purposes and meets certain other requirements. It is not just the registration that determines the requirement for a business automobile insurance policy.
Commercial Earthquake Insurance
Commercial earthquake insurance can be very important in some parts of the United States, where earthquakes can cause severe damage. Most commercial property policies exclude coverage for earthquake damage (including earthquake sprinkler damage, etc.).
Commercial Property Insurance
Commercial property insurance is a special type of insurance that covers the company building as well as the contents owned by the company. "Property" can include a variety of types: lost income or business interruption, buildings, computers, money, and valuable papers.