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.
Hotel & Motel Hospitality Insurance
Running a hotel or motel in today's competitive environment is a big challenge. Getting the proper hotel/motel insurance at a reasonable price can be frustrating and time consuming.
Key Person / Employee Insurance
Key person (employee) insurance is a particular type of life insurance policy taken out by a company on one of their employees, in which the company is the beneficiary in the case of that employee's untimely demise.
Kidnap & Ransom Insurance
As your company expands globally, so do your exposures. Companies with international operations and executives or staff who travel internationally may be targets for kidnappers and extortionists.
Liquor Liability Insurance
Liquor liability insurance is designed to provide liability insurance protection for those businesses who manufacture, distribute, or sell liquor. You need liquor liability insurance if you sell liquor and your business is a:
Bar
Tavern
Nightclub
Fraternal Club
Convenience Store
Liquor Store
Restaurant
Manufacturers Insurance
Manufacturers insurance programs have many elements in common with typical business insurance programs, particularly in terms of workers' compensation and property insurance. A primary aspect of insurance for manufacturing companies is the need for product liability insurance.
Medical Insurance
Illness and injury strike without warning. Who will pay the doctors, hospital, ambulance, drug store, and all of the people that care for you and your family? Even a brief hospital stay can cost thousands of dollars.
Medical Malpractice Insurance
In today’s challenging healthcare marketplace, medical malpractice insurance is a necessity. We can help guide you to better results and a higher set of expectations with our value-added services. We understand your struggle to deliver quality health care and avoid medical malpractice claims.
Non-Profit Insurance
Nonprofit organizations need specialized liability coverages custom-designed exclusively for nonprofit and social service organizations. Like a business or a homeowner, a nonprofit organization needs to protect its property from a loss in a fire, by theft, or from many other hazards.
Nonprofit Business Insurance
Charitable organizations have enough on their minds without having to worry about their insurance needs. You want to have the confidence that the organization you’ve built is covered by a company that understands your unique insurance needs.
Product Liability Insurance
Product liability insurance protects you in case a product you produce or provide causes harm to a user or a user's property. A "product" is anything that is tangibly used, touched, or consumed.