Commercial insurance is designed to help protect many of the risks your business can face, including: damage or destruction to your business vehicles, office equipment, and inventory. Loss of income in case you have to close-up shop temporarily because of a covered loss and crime coverage including robbery, burglary, even employee dishonesty.
In today's uncertain world, technology and case law are constantly changing the liability landscape. So we are constantly looking for insurance provides that continually update products and services to keep pace with the challenges you face. General liability insurance products afford primary protection for bodily injury, property damage, advertising injury and personal injury. Your business is one-of-a-kind, so you may need flexible business and commercial vehicles insurance plans as unique as your company to help protect everything you've worked so hard to build. Commercial automobile extends comprehensive protection for bodily injury and property damage caused by owned, hired and non-owned vehicles used for the business. We understand that safe drivers and dependable vehicles play a critical role in your company's success. You use vehicles to provide mobility to your employees, equipment, and products. But road conditions, weather, and other drivers are out of your control. Just like the insurance on your own car, commercial auto insurance is there to provide coverage for you and your business. Also the Commercial Umbrella is a comprehensive product that provides catastrophic liability protection for commercial automobile, general liability and employers liability exposures. No matter the size of your company or how well it is run, your business faces the potential of a ruinous catastrophic claim arising from an unforeseen event. The commercial umbrella policy is designed to help protect your assets by providing substantial liability limits over and above your other polices. Running a business is complicated enough; you do not need to worry about the financial consequences from an unforeseen event. Whether it's a liability you assumed through a contract or for other liability claims against your business or your employees or representatives, knowing you have the proper coverages will provide you with peace of mind.

Imagine your business facing an unexpected risk like fire, theft, natural disaster or employee injury, and all that without having business insurance coverage. The expenses these circumstances may lead to con potentially drive you out of the business for good. So having a business insurance policy is definitely a must for any business no matter how small it is.

Besides, you are required to have a small business insurance plan by the state law. Some types of business insurance like workers' compensation coverage or property and liability insurance are a must in all of the states, although the amounts of coverage vary from place to place. In some states you should provide a business insurance policy in order to get a business registration.

Our agents have a wide range of coverages available, as well as an array of choices for limits and deductibles. If you own a small or large business, our agents will help you in tailoring a business package policy that may be more appropriate to you. Consider enhancing the basic coverages with specialty markets.

The statistic shows that about 40 percent of small businesses aren't insured at all, because their owners assume that having a small business insurance policy is too costly for their enterprise. Fact is that not having a business insurance may lead to expenses far beyond annual premiums, putting you at risk of losing your business. Natural disasters, theft, employee injuries – this all may lead to unexpected financial losses, which could be entirely covered by business insurance if you have one.

There are different business insurance packages offered by insurers to small business owners who run short on cash. For example, business owner's policies (BOPs) provide the necessary coverage for property and casualty risks at a low price. Another way of reducing business insurance costs is raising your deductible. You'll have to pay more to make a claim but you can be sure you are fully covered when something happens

The majority of business insurance policies carry a minimum deductible of $250 per claim. Higher deductibles will decrease your annual premiums and thus reduce the cost of your business insurance. Consult with your insurance agent or broker about all possible deductibles before making a decision.

Risk management represents a powerful tool of keeping your business insurance costs under control. By using risk management you determine all the possible risks your business may face and choose whether you want to finance coverage against these risks or not. Large companies use these methods of reducing their expenditures, and your small business could use the same scheme for making sure you don't over or under-buy insurance.

There are four major steps in risk management:

1.Define the potential risks your particular business may face during operation. For example, you're working with hazardous substances or your workers have a high risk of injury.

2.Outline the potential financial impact each type of risk may deliver to your business and define the probability of each risk type's manifestation.

3.Determine the possibilities of preventing or controlling the risks, and find possibilities of transferring the risks to third parties.

4.Review the result of your analysis frequently. Using risk management methods will actually help reduce the number of claims your business is likely to make. And this will lead to reduction of your insurance coverage rates, which are based on your business' individual claim history. Risk management will also help lower your out-of-pocket expenses for uninsured claims.

Liability Coverage: In case you’re sued as a result of an auto accident.
Collision Coverage: Helps cover physical damage to your vehicle due to collision or upset.
Comprehensive Coverage: Helps cover physical damage to your vehicle due to fire, theft and glass breakage.
Rental Reimbursement Coverage: Helps cover the cost of a replacement vehicle for a specified period of time when your vehicle is disabled due to an insured loss.

Workers compensation insurance provides for the well being of your employee's and promotes a positive work environment. Be aware that some states have passed laws that makes Workers Compensation mandatory once a business expands to four or more employees on payroll. Workers compensation insurance was created in order to pay employees. medical expenses and loss of wages in the event of a job related injury or sickness.

Commercial insurance is designed to help protect many of the risks your business can face, including:

1. Damage or destruction to your business vehicles
2. Certain liability exposures resulting from the operation of your business vehicles
3. Damage or destruction to your office equipment or inventory
4. Loss of income in case you have to close-up shop temporarily because of a covered loss
5. Certain business related liability exposures such as, wrongful entry or search, libel, slander and even certain offenses arising out of your business’s advertising
6. Risks to your cargo while in transit or storage
7. Theft or loss of tools and equipment
8. Crime coverage including robbery, burglary, even employee dishonesty

General Liability Coverage includes:

1. Bodily Injury Liability Coverage: Help protect you incase injuries occur to other people resulting from your operations.
2. Property Damage Liability Coverage: Protection incase damage occurs to the property of others.
3. Personal Injury Liability Coverage: Helps provide you with protection for offenses such as false arrest, libel, slander and wrongful entry.
4. Advertising Injury Liability Coverage: Helps cover your legal liability for a variety of offenses arising out of the advertising of your business’s goods and services.