When running a business, church, or other non-profit organization, the most important thing is protecting you and your team. We can help determine the specific coverage to best meet your unique needs. As your needs change, we will be there to make sure you are properly covered every step of the way.
General Liability Insurance
General liability insurance keeps your business protected if bodily injury, personal injury or property damage claims arise from your business operations.
What it covers:
- Protects company assets in the event of a lawsuit. It pays for legal defense and damages incurred if someone is injured on your property – physically, financially or psychologically.
- Secures your assets if you or your employees cause property damage. It also protects you against legal damages resulting from employee negligence.
- Preserves your company’s reputation against libel, slander, copyright infringement and false advertising claims.
Commercial Package or Business Owner's Policy
A Commercial Package or Business Owner's policy allows you to combine the most common types of coverage one one policy. Most policies consist of two or more of the following coverages:
- Buildings and Contents
- Business income insurance
- General liability
- Business automobile
- Inland marine/Mobile equipment
Commercial Auto Coverage
If your business is run primarily out of your vehicle, that vehicle becomes your most important asset. Let's make sure your vehicle is covered correctly.
- Bodily Injury and Property Damage Liability
- Cargo Liability
- Collision and Comprehensive
- Hired and Non-owned Auto
- Uninsured and Underinsured Motorist
Workers’ Compensation Insurance
Accidents happen, even in the work place. When an employee is injured on the job, let the professionals handle it.
Common coverages include:
- Medical expenses
- Lost wages
- Permanent/temporary disability
- Death benefits
- Employers’ liability coverage (if your company is found liable in civil court)
Professional Liability/Errors and Omissions Insurance
If you provide professional services or advice for a living, this coverage protects you if you’re negligent or make an error while conducting business. Designed for brokers, consultants, lawyers or experts who advise for a living, this coverage will provide for all defense costs and damages arising from negligence claims in civil court.
Employers’ Practice Liability/Intentional Employers’ Liability
If your company is sued for harassment, retaliation, discrimination or liability arising from hiring and firing practices, this third party coverage will protect you and handle defense costs and damages related to this litigation.
Surety bonds guarantee that the terms of a professional contract or agreement are fulfilled. If you’re a contractor who cannot complete the terms of a contract, a surety bond provides for a replacement contractor or client compensation in the event of a default.
Employee Group Benefits
Small business owners make hugely difficult decisions every day, but creating an employee benefits program shouldn’t be one of them. Whether you have five employees or 25, employer-sponsored health, dental, 401(k), group disability and life insurance programs protect the health of your team and your future as a small business.
Investing in your team’s health and long-term security is one of the most powerful gestures you can make as an employer. Our benefits experts will shop the marketplace for coverage at a competitive rate that nets you savings and a happy, healthy team. Your employees are your most valuable assets; contact us to cover them today.
A list of places we serve:
We carry nationally recognized, top-rated carriers including:
Allstate ▪ American Specialty ▪ Berkshire Hathaway ▪ Celina ▪ Encompass ▪ Encova ▪ Erie ▪ Farmers Mutual ▪ Farmers and Mechanics ▪ FirstComp ▪ Foremost ▪ GuideOne ▪ Guard ▪ Hagerty ▪ The Hartford ▪ Liberty Mutual ▪ Markel ▪ MetLife ▪ National General ▪ Nationwide ▪ Progressive ▪ Safeco ▪ Travelers ▪ Vacant Express ▪ Westfield