Commercial Insurance

DesFor the daily risks that face a business, a full exposure review and implementation of a comprehensive insurance program can protect against those risks. As an independent insurance agent, I can match your business with the appropriate insurance company that specializes in risks similar to yours, which is essential to obtaining the best coverage(s) with the most competitive premiums. All insurance companies represented are A rated or better by A.M. Best.

Property - helps businesses pay to repair or replace buildings, associated structures, and contents damaged or lost because of fire, storms, theft, and other covered perils.

General Liability - provides coverage when negligent acts and/or omissions result in bodily injury and/or property damage on the premises of a business, when someone is injured as the result of using the product manufactured or distributed by a business, or when someone is injured in the general operation of a business.

Business Auto – provides coverage for those vehicles owned by a business and can also provide coverage for employees driving personal vehicles for business purposes.

Workers Compensation - provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

Non-Subscription – insurance for businesses that choose not to subscribe to workers compensation and become responsible for providing their own injury benefit plan to cover occupational injuries/illnesses and provide for legal liability defense/damage payments.

Builders Risk – insurance that covers a builder’s or owner’s property during construction and can provide coverage for building materials, materials in transit to the building or materials stored off-site.

Umbrella Liability – designed to give additional liability protection on policies such as general liability, business auto, and employers liability.

Employment Practices Liability (EPLI) – provides protection against many kinds of employee lawsuits, including claims of sexual harassment, discrimination, wrongful termination, breach of employment contract, failure to employ or promote, wrongful discipline, or mismanagement of employee benefit plans.

Errors & Omissions (E&O) - protects a professional from claims relating to an error or omission in providing professional services that can lead to a lawsuit.