We believe that every client is unique, each with different coverage needs, expectations and risks. Our insurance experts work with you to better understand your business and develop a plan to review current policies and identify potential gaps in coverage. We then work on your behalf to negotiate the best policy for the best cost to ensure your business needs are covered and your interests are protected.
If your business is involved in commercial transport, or just uses a vehicle or many vehicles on a regular basis, then commercial automobile coverage may be one of the most important investments you make.
This policy can provide a combination of liability protection and physical damage coverage for loss due to damage to vehicles owned, maintained, or used by your business. Additional coverages such as medical payments and uninsured motorist protection can be purchased to customize the policy to your business.
This coverage protects your business from claims arising from alleged bodily injury, personal injury or property damage liability. It may include protection for services you render or products you sell. Coverage payments can include judgments, attorney fees, court costs, or other related expenses.
Property coverage is designed to provide protection for a loss to physical property or the loss of income, if the loss is due to a covered peril. Property may include building, business personal property and some types of rented office equipment. This type of coverage is typically written on a special form.
Most states’ law requires that every employer provide workers’ compensation insurance for its employees. This insurance provides coverage for accidents or disease arising from employment, as prescribed by these state laws. Benefits can include lost wages, medical expenses and permanent disfigurement/disability payments.