Business Owner Basics
Our Business Owner's Policies help cover your business from claims resulting from things like fire, theft or other covered disasters. We can create the perfect plan for your business covering:
- Property Coverage
- Liability Coverage
- Data Breach Coverage
- Business Income for Off-Premises Utility Services
- Other Specialized Coverages
Our commercial liability insurance, provides insurance coverage for your business against claims made by others including:
- Bodily Injury
- Damage to Property
- Personal Injury
- Advertising Injury
- Electronic Data Liability
Our commercial auto insurance, also known as commercial vehicle insurance, covers business-owned vehicles. We offer the best rates if you:
- Travel To and From Job Sites
- Transport Tools and Equipment Used for Business Purposes
- Transport Employees or Clients
Our commercial property insurance can be used to cover a variety of situations. It protects your company’s physical assets from explosions:
- Burst Pipes
Commercial Fire Insurance
Most policies come with some form of fire protection, but homeowners may be able to purchase additional coverage in case their property is lost or damaged because of fire. Purchasing additional fire coverage helps to cover the cost of:
- Reconstruction of Property
Homeowners insurance policies include fire coverage, but it may not be extensive enough for some homeowners.
Our Workers Compensation provides medical and wage benefits to people who are injured or become ill at work.
The lack of federal standards for workers' compensation has resulted in deeply varied policies for the same kinds of injuries in different parts of the country. We help create a specialized coverage plan for your employees.
Our Commercial Umbrella coverage gives you extra liability coverage to help pay costs that exceed your general liability or other liability policy limits. Without our commercial umbrella policy you’d have to pay out of pocket for expenses that cost more than your coverage limits, such as:
- Legal Fees
- Medical Bills
- Damage Expenses
Usually, the more your business interacts with clients and customers, the higher your liability risk will be. Our commercial umbrella insurance can help mitigate that risk.
Your computer system might contain sensitive data that belongs to other parties such as customers, employees, or vendors. If the data is lost or compromised by a hacker, the owners might sue your company for damages. We offer coverage for:
- Loss or Damage to Electronic Data
- Loss of Income and Extra Expenses
- Cyber Extortion
- Notification Costs
Our Commercial Crime Insurance can cover your property, merchandise, cash, and securities against theft, embezzlement, or forgery by employees. It can also protect:
- Non-Employee Third Parties Who Commit Forgery
The reality is that no business is truly safe from this risk. While some commercial insurance policies may provide minimal coverage for certain criminal acts, Commercial Crime Insurance provides comprehensive protection against a wide variety of crimes.
Commercial flood insurance helps protect your business from flood damage. This type of commercial insurance can help protect your business’ physical location and the contents inside.
Flooding is the most common natural disaster in the United States. While some floods are caused by tropical storms and hurricanes, most occur as a result of thunderstorms, heavy rains, rapid snow melt and breaches of levees or dams. Regardless of how it occurs, even a minor flood can cause major damage.