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Business Insurance

Business insurance helps you protect what you’ve built

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Safeguard the future of your business with business insurance solutions.

<h4 class="font_4" style="text-align: center">Policies may cover additional unexpected costs.</h4>
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<p class="font_8" style="text-align: center">It’s worth exploring the options available to you with a business property insurance policy, as they may cover risks you hadn’t thought of. For example, some policies may protect against the additional costs you face if rebuilding a damaged business facility means no longer being exempt from local building codes. Other points to check include whether a policy covers the cost of removing debris before reconstruction begins, as well as whether the business property is covered against weather event damage while being rebuilt.</p>
<p class="font_8" style="text-align: center">Commercial property insurance may help safeguard your business and assets, as well as your income. Contact us to learn more about your coverage options and business needs.</p>

Commercial Property Insurance

Commercial property insurance helps prepare your business for the worst.

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<h4 class="font_4" style="text-align: center">When is general liability insurance required?</h4>
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<p class="font_8" style="text-align: center">Your business needs to have this type of policy if you ever meet clients at your business or theirs, or have any physical access to their equipment. Additionally, this coverage may be a requirement before some businesses will sign a contract with you.</p>
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<p class="font_8" style="text-align: center">General liability insurance is a common necessity for most businesses. Contact us to go over your coverage options for your business.</p>

General Liability Insurance

General liability insurance provides protection that keeps up with your industry.

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<h4 class="font_4" style="text-align: center">Protect the property of your business.</h4>
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<p class="font_8" style="text-align: center">The first type of coverage in a BOP is property insurance. Property insurance may cover risks associated with your premises, equipment, and vehicles. In addition, it may often include any associated loss of business. This is essential coverage because it may help protect your business, assets, and income. For instance, here are a few of the coverages to consider in your business owners insurance policy:</p>
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<li style="text-align: center"><p class="font_8" style="text-align: center">Accidental Damage</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Fire</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Flood</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Loss of Income</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Property Loss/Damage</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Theft</p></li>
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<h4 class="font_4" style="text-align: center">Insurance coverage for your specific business.</h4>
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<p class="font_8" style="text-align: center">Getting a business owners insurance policy means covering these risks in a single policy, which may significantly reduce stress and help bring you peace of mind. Policies are typically tailored to help cover your specific needs, and pricing varies depending on your business. However, it’s usually cheaper than buying separate policies for both commercial property and liability coverage.</p>
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<h4 class="font_4" style="text-align: center">Understanding your unique business needs.</h4>
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<p class="font_8" style="text-align: center">Finding a business owners policy that works for your specific business is important so you can help protect your business, income, and assets. With this protection, you can worry less about the risks involved in your business day-to-day, and put more of a focus on the future of your business.</p>
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<p class="font_8" style="text-align: center">If you run a business, consider the benefits of a business owners insurance policy. Contact us to go over your business needs and coverage options.</p>

Business Owners Insurance

Business owners insurance is built to protect your unique business.

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<h4 class="font_4" style="text-align: center">Essential for employees who use their own vehicles for work.</h4>
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<p class="font_8" style="text-align: center">It’s also worth considering non-owned auto liability coverage, which is an add-on or a separate policy covering those instances when your employees drive their own personal cars or trucks as part of their work for your business. This type of protection may help reduce the risk of messy legal complications if they are injured or their vehicle is damaged while on the job.</p>
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<p class="font_8" style="text-align: center">Business auto insurance is essential for those that run a business. Contact us to learn more and to go over your specific needs and coverage options.</p>

Business Auto Insurance

Business auto insurance helps cover vehicles owned by your business.

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<h4 class="font_4" style="text-align: center">A worthwhile investment that may be affordable.</h4>
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<p class="font_8" style="text-align: center">The beauty of commercial umbrella insurance is that, because there’s a relatively low chance it will need to pay out, it may often be considerably cheaper to purchase than you might expect. The cost of your policy may vary depending on the size of your business, the industry you are in, and how much coverage you already have.</p>
<p class="font_8" style="text-align: center">Commercial umbrella insurance may help you protect your assets. Contact us to learn more about your coverage options.</p>

Commercial Umbrella Insurance

Commercial umbrella insurance helps prepare your business for the worst.

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<h4 class="font_4" style="text-align: center">Proactively identifies weak points in cyber security.</h4>
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<p class="font_8" style="text-align: center">In addition to protecting your business against cyber risks financially, obtaining cyber liability insurance may also help reduce potential risks. Insurers may walk through your current cyber-defenses and identify potential weaknesses that you need to fill in. By bolstering your cyber security, you may be able to help prevent data breaches from happening in the first place.</p>
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<p class="font_8" style="text-align: center">Need cyber liability insurance for your business? Contact us to go over your business needs and coverage options.</p>

Cyber Liability Insurance

Cyber liability insurance helps cover your business from cyber-attacks.

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<h4 class="font_4" style="text-align: center">Some policies automatically update with regulations.</h4>
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<p class="font_8" style="text-align: center">When selecting an environmental insurance policy, look out for options that are automatically updated to reflect changes in the rules and amounts that apply to damages for breaching environmental regulations. This may help you in the long term to avoid potential gaps in the protection of your business.</p>
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<p class="font_8" style="text-align: center">Not sure if you need environmental insurance for your business? Contact us to go over your potential risks and coverage options.</p>

Environmental Insurance

Environmental insurance to help manage the risk of pollution.

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<h4 class="font_4" style="text-align: center">Does your business need natural disaster insurance?</h4>
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<p class="font_8" style="text-align: center">Because natural disasters are unpredictable, it mainly depends on your location and the level of risk for certain events such as tornadoes, flooding, hurricanes, earthquakes, wildfires, and more.</p>
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<h4 class="font_4" style="text-align: center">Consider business interruption insurance and property coverage.</h4>
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<p class="font_8" style="text-align: center">Even if you have natural disaster insurance to cover the costs of repairs to your property, there’s a good chance your business may need to shut down temporarily. If you own an apartment building, your tenants may need to move out during this time, leaving you in the lurch from lost rent. Business interruption insurance may help bridge that gap and prevent financial ruin. Be sure to thoroughly check what perils are included in your policy and seek out additional coverage if necessary.</p>
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<p class="font_8" style="text-align: center">To learn more about the kinds of natural disaster insurance you might want to consider, contact us.</p>

Natural Disaster Insurance

Natural disaster insurance helps your business prepare for the unexpected.

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<h4 class="font_4" style="text-align: center">What are the potential risk factors of your business?</h4>
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<p class="font_8" style="text-align: center">Some common risk factors include location hazards, lack of employee training, technology failures, compliance with laws, and unsafe driving.</p>
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<h4 class="font_4" style="text-align: center">Reducing and mitigating risk effectively.</h4>
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<p class="font_8" style="text-align: center">Developing an effective risk management strategy for your business is essential, and understanding which risk factors to prioritize over others is the key to successfully minimizing and managing them. This is where a risk management plan is developed to include many of the risk factors and the ways in which your business will need to adapt and adjust to prevent and prepare for those risks. Whether it’s training sessions for your team, adjusting operations, changing work schedules, updating technology systems or equipment, or putting resources into getting employees certified, the plan put in place will be driven to help reduce and mitigate risks specific to your business.</p>
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<h4 class="font_4" style="text-align: center">Reviewing and enhancing risk management strategies.</h4>
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<p class="font_8" style="text-align: center">Because risk management is a cyclical process, reviewing the plan isn’t the end but simply another part of the system that makes it even more effective. The timing of these reviews can vary depending on your business and the specific risk factors involved but is key to helping improve upon the existing plan. And because things change in the world and your business over time, new risk factors may come up and will need to be accounted for. The review process also puts the achievement or failure of goals into consideration and may change the trajectory of your business for the better.</p>
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<p class="font_8" style="text-align: center">If you are interested in how to better identify and manage business risks, contact us to help you get started on the risk management process.</p>

Risk Management Insurance

Risk management solutions so you can plan and prepare for the future.

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<h4 class="font_4" style="text-align: center">What injuries are covered by workers’ compensation insurance?</h4>
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<p class="font_8" style="text-align: center">Injuries that occur while on the job may be covered, whether they are caused by auto accidents, natural disasters, illnesses, toxic chemical exposure, or violence in the workplace.</p>
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<h4 class="font_4" style="text-align: center">How much does workers’ compensation insurance cost?</h4>
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<p class="font_8" style="text-align: center">The costs associated with your policy may vary depending on your industry, the location of your business, and the frequency of past injuries.</p>
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<h4 class="font_4" style="text-align: center">Workers’ compensation combines with other policies.</h4>
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<p class="font_8" style="text-align: center">While you can get standalone workers’ compensation policies, you can also often get coverage as an add-on to other policies. These include business owners insurance policy (BOP), general liability insurance, and professional liability insurance.</p>
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<p class="font_8" style="text-align: center">Are you looking for workers’ compensation insurance for your business? Contact us to get started.</p>

Workers Compensation Insurance

Workers’ compensation insurance provides coverage for a safe, productive workplace.

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<h4 class="font_4" style="text-align: center">Coverages that are not included.</h4>
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<p class="font_8" style="text-align: center">It’s important to be aware of what insurance doesn’t cover. Unless specifically stated, it won’t cover specific increased risks such as flooding on a beachfront construction or earthquakes near a fault line. It also doesn’t cover injuries suffered by workers, meaning you’ll still need any legally required workers’ compensation insurance coverage, as well.</p>
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<p class="font_8" style="text-align: center">Do you need builders risk insurance to protect your property while under construction? Contact us to go over the unique needs of your property and the coverage options available to you.</p>

Builders Risk Insurance

Builders risk insurance helps protect properties under construction.

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<h4 class="font_4" style="text-align: center">What if a governmental body shuts you down?</h4>
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<p class="font_8" style="text-align: center">Civil authority coverage is a specific subset of your business interruption insurance. It activates only when your business is forced to shut down by a civil authority such as local, regional, or federal governmental bodies. This coverage has specific requirements, and it only provides coverage when the shutdown is related to physical damage of an adjacent building that isn’t owned by your business. These plans also typically only provide coverage for up to two consecutive weeks. It’s important to familiarize yourself with the specifics of this coverage as part of your business interruption insurance.</p>
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<h4 class="font_4" style="text-align: center">Your business may be fine, but you’re not getting utilities.</h4>
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<p class="font_8" style="text-align: center">Sometimes your business is forced to shut down not because of any physical damage to your property, but because you’re not getting the necessary utilities you need in order to operate. For example, if you don’t have electricity, you may not be able to run your business. Utility services coverage as a part of your business interruption insurance may help cover your business in the event of a shutdown due to a loss in utilities such as gas, water, and electricity provided by public and private companies. Depending on the type of policy you have, this coverage may either provide protection for a set amount of time or until the utilities are restored. In some instances, it can also provide coverage for direct damage to your business caused by a utility shutdown.</p>
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<p class="font_8" style="text-align: center">Interested in business interruption insurance for your business? Get in touch with us to discuss your options.</p>

Business Interruption Insurance

Business interruption insurance helps bring you peace of mind if you have to shut down.

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<h4 class="font_4" style="text-align: center">Performance bonds are the follow-up to bid bonds.</h4>
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<p class="font_8" style="text-align: center">As a contractor or construction company, you’ve gotten your bid bond, you’ve placed your bid, and now you’ve been awarded the project. That means more business for you, but that also means you’ll need to look into a performance bond. Developers often require performance bonds as a way to protect the investment they’ve made in the project. This type of bond guarantees that you as the contractor will complete the project as agreed in the contract. Rates for performance bonds depend on a number of factors, including the bid amount and past jobs that you’ve done.</p>
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<h4 class="font_4" style="text-align: center">Lost instrument bonds help everyone get the money they need.</h4>
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<p class="font_8" style="text-align: center">You’ve just gotten a cashier’s check, a money order, or even a stock certificate, and now you can’t seem to find it. Often, financial institutions will require you to get a lost instrument bond before issuing a replacement. These bonds guarantee that if the original lost instrument—cashier’s check, money order, or stock certificate, for example—is ever found, you as the bonded party won’t be able to cash it in addition to the duplicate. This protects financial institutions from making two payments and thus losing money. There are two types of lost instrument bonds—fixed penalty and open penalty. Fixed penalty bonds are issued for instruments of fixed value, such as checks. Conversely, open penalty bonds are issued for instruments with values that fluctuate, like stock certificates. A variety of financial instruments may be covered under a lost instrument bond.</p>
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<h4 class="font_4" style="text-align: center">Bonds upon bonds upon bonds.</h4>
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<p class="font_8" style="text-align: center">These are only a few of the more common commercial bonds that you may come across in your business ventures. There are many other types of bonds, from a variety of other construction-related bonds to court-related and commercial-related bonds. Figuring out which bond or if you even need one can be tricky. We may be able to help you find the bonds that are required federally and locally, right down to the city where you work.</p>
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<p class="font_8" style="text-align: center">If you’re looking to learn more about commercial bonds and their requirements, contact us.</p>

Commercial Bonds

Commercial bonds help provide peace of mind that all parties are protected.

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<h4 class="font_4" style="text-align: center">Your business should consider how to mitigate your risks.</h4>
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<p class="font_8" style="text-align: center">You never know when the next big earthquake could hit and cause devastation to your business, so it’s important to consider how your business can prepare for the worst and mitigate the risks an earthquake poses to it. Risk management services may help you plan for a potential earthquake by examining your current coverage for gaps and then finding coverage to help protect your building, property, and employees. Taking steps to manage your risk may help save you money down the line.</p>
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<p class="font_8" style="text-align: center">Want more information on commercial earthquake insurance and how it can help protect your business? Contact us to learn more and to go over your coverage options.</p>

Commercial Earthquake Insurance

Commercial earthquake insurance helps keep the foundation of your business stable.

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<h4 class="font_4" style="text-align: center">What are the risks of not getting commercial flood insurance?</h4>
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<p class="font_8" style="text-align: center">At least 25 percent of businesses that close after destructive events such as floods never reopen. You don’t want that to happen to your business. It’s important to have a policy that will protect your business, as well as its physical contents and assets, from the damage costs that come from floodwater.</p>
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<p class="font_8">Whether your business is located in an area of common flooding or not, commercial flood insurance is worth exploring. Contact us to go over your risk of flooding, the needs of your business, and your coverage options.</p>

Commercial Flood Insurance

Commercial flood insurance helps keep your business afloat.

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<h4 class="font_4" style="text-align: center">Benefits of having crime insurance for your business.</h4>
<p class="font_8" style="text-align: center">One major benefit is that insurers will often offer advice or support to help reduce the risks of suffering such crime in the first place. Or, if a crime of this nature occurs at your business, insurers may provide investigators who can increase the chances of finding the culprits and reduce the risk of repeat offenses.</p>
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<p class="font_8" style="text-align: center">Commercial crime insurance shouldn’t be overlooked. Contact us to learn more about getting this coverage for your business.</p>

Crime Insurance

Crime insurance helps cover your business from white-collar crime.

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<h4 class="font_4" style="text-align: center">Important D&O policy options to consider.</h4>
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<p class="font_8" style="text-align: center">It’s important to check the details of your directors and officers liability insurance policy carefully, as the coverage period may detail when the claim against the person is made, not when the failure or mistake happened. You may also want to consider the type of policy, whether or not you want to have your business’ own legal team with an indemnity policy, or if you want to have defense costs covered with a duty to defend policy.</p>
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<p class="font_8" style="text-align: center">If you’re looking to protect your business from potentially wrongful decisions made by directors and officers, then a directors and officers liability insurance policy may work for you. Contact us to go over your business needs, the risks you face, and your various coverage options.</p>

Directors & Officers Liability Insurance

Directors and officers liability insurance coverage for bad business decisions.

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<h4 class="font_4" style="text-align: center">Get coverage that fits your business.</h4>
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<p class="font_8" style="text-align: center">One thing to consider when choosing an EPLI policy is knowing if the costs of defending a claim in court count towards the payout limit for any damages. Also, look out for mention of a claims-made basis, which means you may only be covered if the policy is active both when the alleged incident took place and when the employee makes the claim.</p>
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<p class="font_8" style="text-align: center">If you run a business, chances are you’ll need employment practice liability insurance. Contact us to walk you through the various policies available and to go over your business needs.</p>

Employment Practice Liability Insurance

Employment practice liability insurance helps cover your business from employment lawsuits.

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<h4 class="font_4" style="text-align: center">Which businesses benefit from E&O coverage?</h4>
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<p class="font_8" style="text-align: center">This most commonly involves businesses that give professional advice to their clients. However, with some policies, it may also involve unintentional violations of copyright and other intellectual property law or defamation, such as libel. For companies that provide advice, an E&O policy is essential. It may also prove useful for companies that supply software and similar tools that clients might then use for their own businesses. You’ll want to consider an errors and omissions liability insurance policy that will cover both the costs of any damages themselves and the costs of defending claims for your business.</p>
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<p class="font_8" style="text-align: center">Are you looking for an errors and omissions liability insurance policy for your business? Contact us to go over your business, the risks you face, and what your coverage options are.</p>

Errors & Omissions Liability Insurance

Errors and omissions liability insurance coverage for your business from mistakes made.

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<h4 class="font_4" style="text-align: center">Policy options for events where alcohol is involved.</h4>
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<p class="font_8" style="text-align: center">When it comes to selecting a policy, one point to watch for is how the policy covers alcohol-related incidents. The rules may be different depending on whether or not guests are paying for their drinks.</p>
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<p class="font_8" style="text-align: center">Need to cover your event with event insurance? Contact us to learn more about your coverage options.</p>

Event Insurance

Event insurance helps cover your business events.

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<h4 class="font_4" style="text-align: center">Industries that rely on this specialized coverage.</h4>
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<p class="font_8" style="text-align: center">Inland marine insurance is most associated with companies shipping high-value goods to customers or retail outlets, but it has other uses such as covering expensive display equipment and demo models that you take to trade fairs. Some policies may even cover somebody else’s equipment stored on your premises, which is something that could be vital for businesses such as repair shops.</p>
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<p class="font_8" style="text-align: center">Inland marine insurance tends to be customized to your specific needs. Contact us to go over your coverage options.</p>

Inland Marine Insurance

Inland marine insurance helps protect your property wherever it is.

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<h4 class="font_4" style="text-align: center">Additional payout options for every situation.</h4>
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<p class="font_8" style="text-align: center">In the worst-case scenario, the payout could instead be used to wind down operations in a controlled manner rather than face the chaos and damage of a forced liquidation. In addition to paying out when a key staff member has passed away, some key person policies will also payout if the person is diagnosed with a terminal illness or suffers a critical illness that means they can no longer work.</p>
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<p class="font_8" style="text-align: center">Key person life insurance is an option to help safeguard the longevity of your business. Contact us to learn more.</p>

Key Person Life Insurance

Key person life insurance helps protect the continuity of your business.

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<h4 class="font_4" style="text-align: center">Additional coverage options to consider.</h4>
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<p class="font_8" style="text-align: center">Liquor liability insurance covers against such cases, though you’ll need to check precisely what a policy covers. Look for assault and battery coverage, which covers claims against your staff—something that can easily arise if they are escorting a drunk patron off the premises. It may also be worth getting coverage against litigation costs to cover gray area cases where a court awards no damages but each side pays its own legal fees.</p>
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<p class="font_8" style="text-align: center">Do you run a business that serves or sells alcohol? Contact us to discuss your business and your liquor liability insurance needs.</p>

Liquor Liability Insurance

Liquor liability insurance helps protect your business from alcohol-related incidents.

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<h4 class="font_4">The difference between the principal and the obligee.</h4>
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<p class="font_8">While government agencies commonly insist on a bond, it can work with any two organizations. The one that purchases the bond is the principal, while the one that gets any payout is the obligee. If the principal fails to perform the work they are bound to complete, the obligee is compensated for financial loss or may be able to get another contractor to complete the project.</p>
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<p class="font_8">If there’s anything else you need to know about surety bonds, contact us to learn more.</p>

Surety Bond

A surety bond helps bring peace of mind, guaranteed.

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<h4 class="font_4" style="text-align: center">Fills in the gaps of manufacturer warranties.</h4>
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<p class="font_8" style="text-align: center">It’s worth noting that while manufacturer warranties may pay for repair costs or provide replacements in some circumstances, they usually aren’t as extensive as with systems breakdown insurance. For example, the warranty might not cover accidental damage from human error, such as overloading electrical circuits. But, this type of policy, also known as mechanical breakdown insurance, may cover this type of incident.</p>
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<p class="font_8" style="text-align: center">Interested in systems breakdown insurance for your business? Contact us to go over the needs of your business.</p>

Systems Breakdown Insurance

Systems breakdown insurance helps protect your business when equipment fails.

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<h4 class="font_4" style="text-align: center">Is your building vacant? You might need vacant building insurance.</h4>
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<p class="font_8" style="text-align: center">If you own a commercial building, once 70 percent of the total square footage of your building is not being used by you or your tenants, it is considered vacant. At that point, you would need vacant building insurance to keep your property adequately covered by insurance.</p>
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<h4 class="font_4" style="text-align: center">What does this policy cover?</h4>
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<p class="font_8" style="text-align: center">Vacant building insurance may protect your empty building from a variety of named perils, including fire, wind, water damage, sprinkler leakage, theft, and vandalism. If you’re looking for specific coverage for a particular risk, coverage options may be available for your specific risk factors. It may also provide liability coverage in case of an accident occurring on the property while it’s empty that you could be held liable for.</p>
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<p class="font_8" style="text-align: center">Whether you’re experiencing a planned or unplanned vacancy, it’s important that you have vacant building insurance in place. Contact us to discuss this specialized coverage.</p>

Vacant Building Insurance

Vacant building insurance helps cover your building while it’s empty.

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