Business Insurance

Having the proper business insurance coverage at an affordable rate can make the difference between the success and failure of your business. Allow our commercial insurance experts to help guide you to success.

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Competitively priced policies for a wide variety of risks with a quick quote turnaround

Here are some products you should consider as you customize your business insurance policy:

GENERAL LIABILITY INSURANCE

COMMERCIAL AUTO INSURANCE

COMMERCIAL PROPERTY INSURANCE

PROFESSIONAL LIABILITY (ERRORS AND OMISSIONS)

WORKER’S COMPENSATION INSURANCE

INLAND MARINE INSURANCE

KEY PERSON LIFE INSURANCE

HOME-BASED BUSINESS INSURANCE

BUSINESS INTERRUPTION INSURANCE

GENERAL LIABILITY INSURANCE
Required in most states. Also known as Commercial General Liability, or CGL, this is one of the most common insurance choices for businesses big and small alike. This coverage protects your company if a customer or an employee files a claim or a lawsuit against you. We also have tailored solutions for Commercial Marine Insurance, which includes three different types of liability insurance to cover exposures.

COMMERCIAL AUTO INSURANCE
Do you use a vehicle while conducting business? Did you know that you may not be covered if you have a personal auto insurance policy rather than a commercial auto policy? Unfortunately, many people find out too late that they have the wrong policy. In addition to your vehicles, we can insure trailers that you use for your business.

COMMERCIAL PROPERTY INSURANCE
Commercial Property insurance generally covers stolen, damaged, or destroyed goods. Such situations include theft, wind damage, fire, and lightning. Flood coverage resulting from a storm typically is not included, but can be added to your business coverage.

PROFESSIONAL LIABILITY (ERRORS AND OMISSIONS)
Most companies that provide professional services or advice for customers will need Professional Liability insurance protection in case a customer is harmed by or dissatisfied with a service that you performed. Whether you made a mistake or not, you need Professional Liability insurance to be sure you’re covered.

WORKER’S COMPENSATION INSURANCE
If an employee is injured, you might be liable for court fees, medical bills, and lost wages. Whether you are required by law to carry Workers Compensation insurance or you simply want to protect your business, this coverage is a smart choice.

INLAND MARINE INSURANCE
Covers movable and specialized property as well as property that your business is caring for temporarily. If you have equipment or goods that regularly move from site to site, Inland Marine insurance will protect your property.

KEY PERSON LIFE INSURANCE
Key Person life insurance is essentially life insurance purchased by a company for a key person of that company. The business pays the premium and is the beneficiary of the policy.

HOME-BASED BUSINESS INSURANCE
It is a false assumption that a homeowner’s policy will cover a HBB and so estimates show that the majority of HBB business owners are under insured. HBB insurance will provide property and liability coverage for your business files, equipment, and practices. It's also important to remember that conducting certain activities, like running a business out of your home, can sometimes void your homeowner policy.

BUSINESS INTERRUPTION INSURANCE
Business Interruption coverage is an added provision to your Commercial Property insurance policy that allows your business to bounce back and begin serving your customers as soon as possible following a major event. This provision covers your business in case you have to shut down for an extended period of time.