BUSINESS LINES

  • GENERAL LIABILITY
  • BUSINESS OWNERS POLICY
  • BUSINESS VEHICLE COVERAGE
  • WORKERS COMPENSATION
  • CONSTUCTION/BONDS
  • LANDLORDS/RENTALS
  • HOME-BASED BUSINESS

GENERAL INFO ABOUT BUSINESS LINES

Obtaining the appropriate insurance for your business can be overwhelming, but it doesn’t have to be. Follow these three steps to get the right insurance at the best price: assess your risks, gather information on your business and make time to discuss your needs with us. We hope the information in our website will make this process easier and help you find what you need to make the right decisions for your business!


There are many different insurance coverages for businesses, both basic and specialty.  Some of the primary policies that businesses should consider are listed below:

  • General Liability
  • Workers’ Compensation
  • Professional Liability
  • Commercial Property/Contents
  • Commercial Auto/Fleet
  • Business Owners Policy
  • Product Liability
  • Bond
  • Unemployment
  • Disability

 

Did you know...

  • That Business Interruption insurance compensates you for lost revenue if your business is shut down due to a disaster?  Learn more on our Business Owners Policy page.
  • That if an employee runs an errand for you and has an accident, your business insurance may not cover the costs?  Learn more on our Business Vehicle page.
  • That landlords , financial institutions, and others you do business with may require you to carry General Liability coverage at pre-determined limits and name them as “additional insured”?  Be ready with the names and addresses requiring this endorsement.  

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Helpful links:

  • "Are you protected from unforeseen dangers and disasters?  You and your business need proper insurance coverage to make sure you are protected"…  Learn more
    Source:  Sba.gov
  • "Businesses can do much to prepare for the impact of the many hazards they face in today’s world.  Review the five steps in developing a preparedness program"…  Learn more

           Source:  Fema.gov

  • Every business, no matter how small, should assess their risks and develop preventative measures.  You can also use this list in discussions with us to ensure you have adequate coverage.  To help you develop your risk analysis, visit the Insurance Information Institute’s web page on Risk Management.  They cover topics such as: Theft, Liability, Motor Vehicle, Work-related injuries, and disaster response and recovery
    For more information….Click here

 

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