Business & Commercial Insurance
Business & Commercial Insurance Quote Forms
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Business & Commercial Insurance Information
Whether you are a restaurant, contractor, developer, or any other type of business, commercial insurance can be difficult to navigate. We understand that you need insurance personalized to your business needs. As an independent agency, we do not work for any specific insurance company. We work for you. Our team will assess your business operations and work with you to develop a personalized protection program.
According to Insurance Journal, 75 percent of businesses in the United States are under insured by 40 percent or more. Many companies have limited coverage or policies that don’t protect all their assets. Do you have enough coverage? Our commercial lines manager Fraser McIntyre can coordinate your personalized quote and fully explain your coverage options. With access to over fifteen companies we can customize a policy that meets your needs and budget. We want to help you dramatically reduce your potential losses and keep you focused on the business ahead.
Don't leave your company and your assets unprotected.
General Liability can help pay for legal expenses when you're sued over slip-and-fall injuries, property damage, slander, and more. Small-business owners usually buy this policy first because it offers basic liability protection. They often need it to sign commercial leases and client contracts, too. This insurance is often considered to be the core coverage, particularly for businesses that regularly physically interact with customers or sell physical goods. In addition, many businesses have a contract, like a loan or a lease, requiring that they have this coverage.
Commercial Property Insurance helps protect the building your business owns or leases as well as your business personal property, including tools and equipment, inventory, and furniture.A commercial property insurance policy includes coverage for assets like accounts receivable, computers and lost income for when business operations are suspended due to a covered loss. Businesses can tailor their coverage to include additional protection like valuable papers and records coverage that can help pay to reproduce important documents, provide temporary storage and move records to avoid a loss.
Cyber Liability Insurance is a critical coverage for your companies future. The threats are increasing and time is running out to protect your company. Research shows that cyber criminals and hackers are not only targeting medium and large businesses but also attacking smaller “Main Street” companies who are often less prepared to prevent and respond to an attack. Cyber Liability insurance is one of the most important forms of insurance for your company to carry these days. Protect yourself from the real threats.
Commercial Auto Insurance is mandatory in all U.S. states. Getting the right amount of liability protection in place will help you to protect your assets in the event of an accident. It is important to know that your personal auto insurance won't cover your vehicles for business use. So, whether your business has one vehicle or a fleet of buses, vans or dump trucks, be sure to get adequate liability coverage. Your business is liable for accidents that you or your employees may cause; liability insurance will protect your company from a resulting liability claim or lawsuit.
Workers Compensation is a key part of running your business is keeping employees safe at work. However, if a worker does suffer an injury, workers compensation coverage provides you and your employees with important protection. Workers compensation coverage is a state-mandated insurance program that covers lost wages and medical treatment resulting from an employee’s work-related injury or illness. It also covers services needed to help an employee recover and return to work.
Commercial Umbrella Insurance protects your business if a major fire or storm damages or destroys your shop and inventory scheduled for delivery, you want to be confident that your business can recover with minimal disruption as possible. With property insurance you can protect your business space as well as its contents. You can even elect to cover lost income or additional expenses incurred while your business is closed.
Bonds may be unfamiliar to you, until you are asked to provide one. As part of licensing a business or a construction project, a bond may be required. You can think of a surety bond as a professional co-signer. The surety company promises the agency requiring the bond that you will follow the rules. This might mean that you must follow the terms of a contract or abide by the codes of a business license.
Disability Insurance protests you and your business if you were injured for any period of time? To the unprepared small business owner, an illness or accident resulting in disability can be devastating to your life and business. Disability insurance will replace your income in the event of an accident or illness. According to the Disability Management Sourcebook, severe disabilities have increased 400 percent over the past 25 years from the age of 17 to 44. Our individual disability products help provide peace of mind and security to your business and extend vital coverage to you and your employees.
Professional Liability protects businesses from the risks they face every day. Without it, you could lose everything: your clients, your reputation, your company - even your personal assets. Losses and lawsuits can come from any direction. That is why you need a trusted advisor with the vision to help you anticipate challenges and assist in keeping you and your organization protected with a suite of products and services.