Business & Commercial Insurance
Business & Commercial Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Business & Commercial Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Business & Commercial Insurance Information
Many insurance companies today issue a property/ liability package generically referred to as a Businessowner Policy. While it simplifies the sales and issue process, it contains many limitations and the policy coverage will vary among the companies. While it may be adequate protection in many cases, it's definitely not a one-size-fits-all policy. Depending on your type business, institution or service, you may need one of more of the "lines" of insurance below. Generally, a solid program of protection must be built line by line according to the specific needs of your business or institution. You need to meet with one of our experienced professionals and take the time to discuss your operations and the risk exposures you face. Some of the insurance lines that may be applicable are:
Property (Replacement or Actual Value) General Liability
Automobile Workers' Compensation
Business Income Crime (Fidelity and Money)
Employee Dishonesty Professional Liability
Employment Practices Liability Directors & Officers Liability
Sexual Misconduct/Molestatiion Property in Transit
Installation Floater Builder's Risk
Liability Umbrella Liquor Liability
Employee Benefits Liability Bonds
Flood (Primary and Excess) Equipment Breakdown
A properly designed insurance program will give you peace of mind as well as financial stability if a disaster occurs or if you are sued for a negligent act. No insurance covers every possible loss however. Every policy has exclusions, limitations and conditions otherwise it wouldn't be affordable. Prudent business owners should take the time to read their policies as they would any legal contract. If you're unsure of some of the terms or if you're concerned that your coverage may not be proper or adequate, contact us for a professional opinion.
Communication is always the key to maintaining proper insurance protection. If your operations change or if you acquire or sell any property including autos, contact your agent immediately. Always inform your agent if you have any operations in another state other than your home state. This is especially important for workers' compensation coverage.
Often overlooked in a business insurance plan is the value of life insurance. Life insurance can provide the business immediate liquidity following the death of a key person, provide cash to pay off business loans leaving the business debt-free or to fund a buy-sell agreement so the business will continue to be viable and run smoothly. Life insurance can also be used to establish a non-qualified deferred income plan for key employees. This type plan is not subject to federal highly compensated employee discrimination rules. We can help you in any of these areas. Not only do we have years of experience, we have access to estate and tax attorneys for the more complicated situations.
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