Business
1. CHOOSE INSURANCE FOR YOUR BUSINESS
2. CHOOSE US
3. CONTACT US
No matter the size of your business, our coverage is tailor-made for a variety of industries.
Below you may find some of the main policies and what they cover in order to help you understand.
In many cases, we are able to package these policies all under one .
Policies
Liability
Known as General Liability , I can not stress this enough , if you own a business please make sure you purchase this.
Covers your company for claims involving bodily injuries and property damage resulting from your products, services or operations.
It may also cover you if you are held liable for damages to your landlord’s property.
Auto
Commercial auto insurance covers losses from accidents and other unpreventable mishaps in vehicles used for business.
Policies consider your business as an insured party in the deal.
That is because damage or loss of a vehicle used for business might impact the business itself.
Cyber Liability
Data breaches and cyber crimes continue to grow in both number of occurrences and level of sophistication, and these attacks are not going away any time soon.
Our customized and competitively priced cyber liability protection policies help cover the costs associated with a potential data breach,
While helping your financial institution bounce back from an attack.
Commercial Property
OR more commonly known as Business Personal Property (BPP) , is to cover property used for business along with any contents in that workspace.
We recommend that you secure an appraisal from a third party to accurately determine the current replacement cost of your building.
Also, contents are included in this section as well. Be aware that most commercial property policies have very limited coverage for property taken off the specified location.
If you have equipment that is frequently taken off-site to various locations, it is important that you have an inland marine policy.
Call us today, and we’ll help you determine if you have enough commercial property insurance for your business.
Workers Compensation
Workers’ compensation laws protect employers and employees in the event of work-related illness, injury, or death. These laws strike a balance that benefits employees and employers.
Employees get a guarantee for medical costs, lost wages, and disability compensation.
Employers get relief from civil lawsuits for damages and other potential personal and employer liability.
This coverage will depend on what your employees do and how much they earn.
Crime
Whether it’s forgery, a dishonest employee, computer fraud, kidnapping, or even ransom; business crime can result in great losses for your company.
Rates for commercial crime insurance are affordably priced.
The amount of coverage you need will depend on several factors; including, but not limited to, the number of employees you have, your revenue, customer base, and the percentage of your business transacted online.
Unfortunately, the more successful your business becomes, the more of a target you create for dishonest acts by employees and third parties.
1. REQUEST A QUOTE
We have to get to know you In order to insure you properly and to satisfy your expectations , we need to know what you are looking for.
There are a million ways a policy can be altered to meet your needs.
On that note, the first step is for us to exchange information in order to know what you are looking for and for us to obtain the information necessary to quote you .
2. YOU REVIEW OUR EXCEPTIONAL OFFERS FOUND
We work with many companies, that's the main perk of an independent agent. Most of the time, we will provide several offers and go over the differences between them .
This is the most crucial part of the process because we really want you to understand what you are buying.
Making sure it meets all your needs and that you are aware of any exclusion of the policy. Once you agree with the best offer for you , we move on to step 3.
3. YOU FINALLY BECOME OUR OFFICIAL CLIENT
This final step is the purchasing part. We pretty much take it all from here.
All we need from you is to sign the necessary documents and be aware of any conditions by the company chosen which we will let you know.
You will receive your proof of insurance and if you have any questions through the policy term , we will always be here to help. Keep in mind we review your policy at renewal to see if there are any additional offers that benefit you.
