You have enough to worry about as you manage your business. Let our agents help you meet your needs to create a tailored insurance policy. When you know your people, property, and profits are protected from life’s curveballs, you can get back to focusing on what’s really important – running your business.
You should at least have:
• Business Auto Insurance – protects you and your employees in the event of an auto accident involving a company car in which you or your employees are liable.
• Business Crime Insurance – protects your business from fraud and theft.
• Business Property Insurance – protects your business by covering your assets in case of damage.
• Business Liability Insurance – protects your business against losses in case of damage for which your business would be liable.
• Workers’ Compensation Insurance – covers your employees’ medical needs.
Additional options include:
• Employment Practices Liability Insurance – protects your business if a former, current, or future employee makes accusations of sexual harassment in the workplace, discrimination, or wrongful termination.
• Life Insurance for Business Owners – helps your business work through the loss of an employee.
• Retirement and Benefits for Business Owners – safeguards your financial future.
• Umbrella Coverage – protects your business from lawsuits.
• Bailee Coverage – protects you should your business be liable for damage to a customer’s property.
• Transportation and cargo Coverage – protects your business’ good while in transit.
• Spoilage Coverage – covers and perishable goods destroyed due to technical or mechanical malfunctions (e.g. a power outage).
• Non-Owned Auto Coverage – complementary to Business Auto, covers an employee driving their personal vehicle for company business.
Keep up to date
Your business is organic, it grows and changes just like you do. Make sure you review your policy to see if it still covers all your business needs. Feel free to contact one of our agents to update or alter a policy and to see what discounts for which you may now be eligible.
