Motor Vehicle

• Auto Insurance
  Most of us understand how auto insurance works, but commercial auto insurance provides specific protection for any vehicles used for your business. With the cost of auto insurance on the rise, it is important to diversify your protection and make sure you have the right protection at the right price for the specific job your commercial vehicles perform.

Health and Life

• Life Insurance
  Finally, consider offering supplemental coverage like dental, vision and life insurance. Employees often pay the full cost of these but have the advantage of group rates when offered through their employer plan.
• Health Insurance
  Small business health insurance is coverage bought by small businesses to cover employees and their dependents. There are three things that help distinguish small business health insurance from other types of coverage...

Business

• Business Insurance
  As a small business owner, multi-tasking is everywhere. In the business insurance world, a Business Owner’s policy or BOP is a multi-tasking policy that provides general liability and commercial property protection.
• Commercial Property Insurance
  When your child is in harm’s way – you move them. Unfortunately, buildings and most equipment do not work that way. Commercial Property Insurance secures your building and equipment by covering damage or complete loss. It is like a homeowner’s policy for your business.
• Workers Compensation Insurance
  No matter the precautions you take, injuries happen. And when they do, a workers’ compensation policy responds to help your employee and your business get back on their feet again. This coverage protects your business and its most valuable asset – your team!
• Commercial Liability Insurance
  Cyber liability insurance is specifically designed to address the risks that come with using modern technology; risks that other types of business liability coverage simply won’t. The level of coverage your business needs is based on your individual operations and can vary depending on your range of exposure. It is important to work with a broker that can identify your areas of risk so a policy can be tailored to fit your unique situation.
• Professional Liability Insurance
  Let’s face it – mistakes happen. And when they do, a professional liability policy will respond to claims to protect your business and help pay expenses related to the mistake (or to fight a false claim). It works as a safety net over your company’s bottom line. Sometimes, this policy is called Malpractice Insurance or Errors & Omissions Coverage. We call it “Professional Liability” because professional is our middle name, and your liability is our sworn enemy.

Personal

• Liability Insurance
  Every business provides a service, but sometimes mistakes happen and loss is incurred. It can be a marketing campaign gone bad, a slip–and–fall accident on your premise, or a product test that backfires. Commercial General Liability insurance protects your business from claims that may occur in the act of running your business. We know these policies sound “general” and that is because they can be. Our Specialists work with you to understand your business and build coverages that meet your needs without surprise loopholes.
• Identity Theft Insurance
  Increased government regulations have placed more responsibility on companies to protect clients’ personal information. In the event of a breach, notification of the affected parties is now required by law. This will add to costs that will also include security fixes, identity theft protection for the affected and protection from possible legal action. While companies operating online are at a heightened risk, even companies that don’t transmit personal data over the internet, but still store it in electronic form, could be susceptible to breaches through data lost to unauthorized employee access or hardware theft.

Natural Disaster

• Flood Insurance
  Many business locations are required to maintain Commercial Flood Insurance. Chances are if you have a business location – you shouldn't delay in reviewing your options. Water damage to businesses is common and costly. Don't shoulder these costs alone.