Commercial Insurance

Whether it is to protect your building, business property, equipment, inventory or company vehicles, we offer products and services designed to give you the coverage and peace of mind you want at the lowest cost. We protect your assets!

Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items such as loss of income etc.

Casualty Insurance consists primarily of liability coverage, defends against injury or damage claims made by other parties.

Property Insurance may cover two types of property losses:

• Direct Losses: May be covered when property is lost, stolen, damaged or destroyed
• Indirect or Consequential Losses: Related to direct losses may also be covered from outside sources

Policies may provide coverage for liability arising from:

• Premises and Operation
• Fire Damage Liability (damage by fire premises rented to insured)
• Personal and Advertising Injury
• Medical Payments
• Products/Completed Operations

You may want to consider a Business Owners Package, which combines your Liability, Property and other types of coverage into one comprehensive policy. This package of protection can help you save time and money on your total insurance program.

Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. We can give you more details about the variety of coverage options available, deductibles and about tailoring a Business Auto plan that's right for you and your business.

Workers' Compensation coverage applies to bodily injury and diseases arising from and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.

Workers’ Compensation provides for the payment of four types of benefits:

• Medical benefits
• Income benefits
• Death benefits
• Rehabilitation benefits

To cover above and beyond the limits of your General Liability and auto policies.

Certain professions much have professional liability to cover their exposures. Failure to purchase this can really jeopardize you and your business if you are sued.