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Insurance By Industry

Insurance by industry to help cover the unique needs of your business.

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We offer insurance by industry tailored to help safeguard your business.

<h4 class="font_4" style="text-align: center">How much does rental property insurance cost?</h4>
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<p class="font_8" style="text-align: center">The cost of coverage may vary depending on a variety of factors, including the size of your building, where it’s located, when it was constructed, and the types of risks that are possible in your region.</p>
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<h4 class="font_4" style="text-align: center">Why do you need insurance as a landlord?</h4>
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<p class="font_8" style="text-align: center">Rental property insurance goes beyond what home insurance can offer, which is especially important for liability issues when renting out your property to others.</p>
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<h4 class="font_4" style="text-align: center">Your rental property itself requires specialized coverage.</h4>
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<p class="font_8" style="text-align: center">Of course, you’ll need to insure your building. But, to really be protected, you must be sure to consider each of your options. If your property needs extensive repairs or a full rebuild after a covered loss, you’ll want to have coverage that includes the additional cost of making sure it’s up to the current building codes. Most business owners and property insurance policies won’t provide coverage in case of a flood, so flood insurance should be considered. If your property is in an area prone to hurricanes or earthquakes, you may wish to obtain these policies as well. Finally, you should also insure against common business concerns, such as employment practices liability, cyber liability, and more.</p>
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<p class="font_8" style="text-align: center">To review your rental property insurance needs and to learn more about your coverage options, contact us.</p>

Landlord & Rental Property Insurance

Landlord and rental property insurance helps protect your investment and income.

<h4 class="font_4" style="text-align: center">Protection for the equipment you use.</h4>
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<p class="font_8" style="text-align: center">You should also make sure that you protect your stock, machinery, and equipment against damage or loss from fire, theft, flooding, and other risks—both on-site and off-site. Just as important, you need to have insurance coverage against loss of income if you are unable to carry out work because your equipment is damaged, breaks down, or is stolen.</p>
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<h4 class="font_4" style="text-align: center">Coverage for your employees.</h4>
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<p class="font_8" style="text-align: center">Remember to also get workers’ compensation insurance, which is usually mandatory and helps protect employees against lost income and medical bills resulting from workplace injuries. You might be worried that the costs of a workers’ compensation policy will be high given the inherent risks of construction work, but many insurers may offer discounts if you follow safety programs.</p>
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<p class="font_8" style="text-align: center">Do you need contractor insurance to protect your contracting business? Contact us to go over your business needs and coverage options.</p>

Contractor Insurance

Contractor insurance helps build protection for your business.

<h4 class="font_4" style="text-align: center">The business side of farming.</h4>
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<p class="font_8" style="text-align: center">As with any business, you’ll also need to look into workers’ compensation for employees, liability insurance for visitors to your premises, and specialty coverage for any vehicles you use for work rather than just for personal driving. And because of the nature of your business, you may also want to have an environmental insurance policy in place to help safeguard your farm from pollution-related issues.</p>
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<p class="font_8" style="text-align: center">Ready to take the next step in protecting your lifestyle and livelihood with farm insurance? Contact us to go over the needs of your farm, the type of farming you do, and the coverage options available.</p>

Farm Insurance

Farm insurance helps cover your operations so you can focus on your farm.

<h4 class="font_4" style="text-align: center">Why proof of insurance matters.</h4>
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<p class="font_8" style="text-align: center">Some clients require proof of insurance before they’ll sign a contract. Having it in place not only protects your business but also establishes you as a responsible professional so you can build trust.</p>
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<p class="font_8" style="text-align: center">Want to learn more about professional services insurance for your business? Contact us to go over your coverage options.</p>

Professional Services Insurance

Professional services insurance designed for your profession.

<h4 class="font_4" style="text-align: center">Insurance may help you stay up and running.</h4>
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<p class="font_8" style="text-align: center">As a retailer, you shoulder a lot of responsibility and a comprehensive insurance policy helps keep your store open and running smoothly, even under difficult circumstances. For example, a commercial property policy helps cover damage and loss of the equipment and tools needed to run your retail business, whether they are leased or owned by your business.</p>
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<p class="font_8" style="text-align: center">Are you looking for retail business insurance? Contact us to discuss the specific needs of your store and to go over your coverage options.</p>

Retail Business Insurance

Retail business insurance helps keep your store up and running.

<h4 class="font_4" style="text-align: center">The business side of child care centers.</h4>
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<p class="font_8" style="text-align: center">Your child care center is more than just a place for learning or simply a daycare, it’s also a business. That means in addition to the coverage specific to child care centers and daycares, there are other business insurance coverages you may want to consider, such as workers’ compensation, employment practice liability, employee dishonesty, and cyber liability.</p>
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<p class="font_8" style="text-align: center">Are you looking for child care center insurance to safeguard your business so you can keep teaching and watching over the children under your care? Contact us to go over the insurance needs of your child care center.</p>

Child Care Center Insurance

Child care center insurance helps cover your business so you can care for them.

<h4 class="font_4" style="text-align: center">The gaps that church insurance fills in.</h4>
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<p class="font_8" style="text-align: center">The list of coverage items that an ordinary policy might not include is lengthy. Examples include defibrillators or other equipment needed for large groups of visitors, the personal property of religious leaders, and even the costs of repairing or replacing things like stained glass windows. You may also be able to get coverage for church events, child care, as well as ministers and pastors liability, which are all specific to the day-to-day operations of houses of worship.</p>
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<h4 class="font_4" style="text-align: center">Coverage for the unexpected.</h4>
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<p class="font_8" style="text-align: center">There are things that are unplanned, but your house of worship still needs to be prepared for the unexpected. You may want to get coverage for liability issues, travel risks on mission trips, and the costs of recruiting a suitable religious leader if a replacement becomes necessary. These are risks that may come out of nowhere, but having them under your policy may help bring you the peace of mind you need.</p>
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<p class="font_8" style="text-align: center">Are you ready to protect your house of worship with church insurance? Contact us to go over the risk factors and insurance needs of your house of worship, as well as your coverage options.</p>

Church Insurance

Church insurance helps protect your house of worship and may bring peace of mind.

<h4 class="font_4" style="text-align: center">Modified single entity coverage.</h4>
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<p class="font_8" style="text-align: center">Modified single entity coverage, or all-in coverage, extends coverage to any replacement or upgraded fittings. This may include coverage for fixtures and appliances, but not the personal property of the unit owner.</p>
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<h4 class="font_4" style="text-align: center">Single entity coverage.</h4>
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<p class="font_8" style="text-align: center">Single entity coverage extends the condo owners association coverage to standard finishes, such as fitted kitchens and bathroom units, but not the unit owner’s personal property. One note of caution—if the owner of a unit replaces any fitting, such as a kitchen counter or carpet, it may no longer be covered by the association master policy.</p>
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<p class="font_8" style="text-align: center">Looking to help safeguard your investment with condo building insurance? Contact us to go over your needs and the coverage options available to you.</p>
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Condo Building Insurance

Condo building insurance helps protect your real estate investment.

<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">Even specialized businesses like dance studios need the basics, so you’ll want to explore general liability, cyber liability, and employment practice liability insurance, too. These are some of the coverages you’ll need to consider from a business perspective to cover the risks of operating a business.</p>
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<p class="font_8" style="text-align: center">Want to learn more about how dance studio insurance can help protect your business? Contact us to go over your dance studio’s needs and your coverage options.</p>

Dance Studio Insurance

Dance studio insurance helps keep your business moving to the beat.

<h4 class="font_4" style="text-align: center">What does dental malpractice insurance cover?</h4>
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<p class="font_8" style="text-align: center">Dental malpractice insurance may provide coverage for court costs and legal fees related to dental malpractice cases and settlements.</p>
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<h4 class="font_4" style="text-align: center">How much does dental malpractice coverage cost?</h4>
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<p class="font_8" style="text-align: center">The cost of dental malpractice varies depending on the location of your practice, as well as the period of time that your practice has been operating for.</p>
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<h4 class="font_4" style="text-align: center">Dental offices are still businesses.</h4>
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<p class="font_8" style="text-align: center">As specialized as your business is, you still need to have basic insurance coverages essential to businesses of all types. You may want to consider general liability, employee practices liability, cyber liability, and business interruption insurance, among other policies. By understanding the risks you face, you may find policies to help protect the specific needs of your dental practice.</p>
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<h4 class="font_4" style="text-align: center">Don’t forget coverage for employees and contractors.</h4>
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<p class="font_8" style="text-align: center">Your dental practice needs insurance coverage for its employees, too. Workers’ compensation insurance provides coverage in the event an employee is injured on the job. Hygienists, dentists, and dental assistants face an increased risk of injury based on the tools they use and their close proximity to patients. If you have contract workers in your office on an intermittent basis, you’ll need to know what obligations you have to provide coverage for them as well.</p>
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<p class="font_8" style="text-align: center">Are you interested in learning more about dental office insurance policies that may benefit your dental practice? Contact us to discuss the needs of your dental practice and your coverage options.</p>

Dental Office Insurance

Dental office insurance helps safeguard your practice so you can focus on your patients.

<h4 class="font_4" style="text-align: center">Are volunteer firefighters and EMS covered?</h4>
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<p class="font_8" style="text-align: center">If you have active volunteers in your fire department, you’ll want to make sure your policy covers them for things like medical expenses, indemnity for loss of life or other injuries, as well as income protection due to disability.</p>
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<h4 class="font_4" style="text-align: center">Environmental impairment insurance is a surprising need.</h4>
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<p class="font_8" style="text-align: center">There are several environmental pollution concerns that fire departments should be aware of. Pollutants can arise from emergency responses as well as equipment washdowns and training activities. Defending environmental claims can be expensive. Having environmental impairment insurance may help protect your department financially in case of a claim of environmental damage.</p>
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<h4 class="font_4" style="text-align: center">Don’t forget other business insurance policies.</h4>
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<p class="font_8" style="text-align: center">You’ll need commercial property insurance for your firehouse. And in this digital age, your department will need cyber liability insurance which can offer protection if your computer network is hacked. You’ll also need to consider general business coverages like employment practice liability insurance, errors and omissions liability insurance (E&O), as well as directors and officers liability insurance (D&O).</p>
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<p class="font_8" style="text-align: center">To learn more about the importance of fire department insurance for your organization, contact us.</p>

Fire Department Insurance

Fire department insurance provides coverage, so you don’t feel the burn.

<h4 class="font_4" style="text-align: center">What does fitness center insurance cover?</h4>
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<p class="font_8" style="text-align: center">A typical policy for fitness centers and gyms may include business, property, general liability, and professional liability insurance, with the ability to add more coverage options.</p>
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<h4 class="font_4" style="text-align: center">How much does fitness center insurance cost?</h4>
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<p class="font_8" style="text-align: center">The price of your policy may vary depending on the size of your operations and your location, as well as how many employees and clients you have.</p>
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<h4 class="font_4" style="text-align: center">How to minimize risks on a daily basis.</h4>
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<p class="font_8" style="text-align: center">There are many ways you can minimize risks at your fitness center or gym. For example, posting adequate warning signs about hazards when using the equipment, or adequately training staff to deal with emergencies and minimize damage can go a long way to emphasizing safety and avoiding costly mistakes and accidents.</p>
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<p class="font_8">Do you need fitness center insurance? Contact us to discuss the insurance needs of your fitness center or gym, and to go over your specific coverage options.</p>

Fitness Center Insurance

Fitness center insurance helps keep your business running smoothly.

<h4 class="font_4" style="text-align: center">Protection from claims of faulty repairs.</h4>
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<p class="font_8" style="text-align: center">You should also consider professional liability coverage that protects you against claims for damage to a car caused by mistakes and/or omissions by your staff. In extreme circumstances, this could include not just the cost of fixing the flawed repairs, but also costs that arise from a crash that’s blamed on the faulty repair.</p>
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<h4 class="font_4" style="text-align: center">Coverage for your garage and lost income.</h4>
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<p class="font_8" style="text-align: center">Remember to also look for coverage for lost income. If you have a fire break out at your garage, it’s not much use having an insurer pay all the costs of rebuilding the workshop if you lose all your customers in the meantime and your cash flow is irretrievably damaged. Having coverage for lost income may help your business survive a devastating loss so you can carry on.</p>
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<p class="font_8" style="text-align: center">Are you looking for garage repair shop insurance to help safeguard your business and your investment? Contact us to go over your coverage needs and options.</p>

Garage Repair Shop Insurance

Garage repair shop insurance helps keep your business running.

<h4 class="font_4" style="text-align: center">Hauling your equipment requires business auto insurance.</h4>
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<p class="font_8" style="text-align: center">Your employees are driving all over town to work at different locations throughout the day. There could be other employees in the vehicle with them or they could be carrying equipment. In addition to pickup trucks and vans, you may also have dump trucks, riding mowers, excavators, and other vehicles in use. Your business auto insurance policy should include protection for the vehicles that your business owns.</p>
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<h4 class="font_4" style="text-align: center">Other business insurance policies should be considered.</h4>
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<p class="font_8" style="text-align: center">Landscaping services insurance programs should also include policies geared toward the business side of things. Cyber liability insurance offers protection in case of a data breach of customer records. Your landscaping business likely owns the property to store equipment and office space, which would necessitate commercial property insurance. You’ll also want to consider employee theft coverage and employment practice liability insurance in case of dishonest workers or claims of harassment against your company.</p>
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<p class="font_8" style="text-align: center">Contact us to discuss your landscaping services insurance needs and to find out how you can help protect your business.</p>

Landscaping Services Insurance

Landscaping services insurance goes beyond basic coverage for your business.

<h4 class="font_4" style="text-align: center">Coverage against risks related to medical offices.</h4>
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<p class="font_8" style="text-align: center">For example, if you had an electrical failure or a mechanical breakdown, medical goods such as vaccines could spoil. A data breach or computer hack could be particularly devastating given the sensitive information you store. Paper records could be costly to replace after a fire. These risks may be covered under this type of policy.</p>
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<h4 class="font_4" style="text-align: center">Medical malpractice is covered separately.</h4>
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<p class="font_8" style="text-align: center">Don’t make any assumptions about your policy, however. Medical office insurance is highly unlikely to cover medical malpractice and other liabilities relating to the advice and treatment you provide, so you’ll need to get such coverage separately.</p>
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<p class="font_8" style="text-align: center">Contact us for more information on medical office insurance and how it may benefit your practice.</p>

Medical Office Insurance

Medical office insurance helps safeguard your medical practice.

<h4 class="font_4" style="text-align: center">What organizations need non-profit insurance?</h4>
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<p class="font_8" style="text-align: center">Tax-exempt organizations such as volunteer fire departments, unions, religious groups, recreational clubs, charities, and more may require non-profit insurance.</p>
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<h4 class="font_4" style="text-align: center">Why do you need non-profit insurance?</h4>
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<p class="font_8" style="text-align: center">Having non-profit insurance for your organization may help protect you regarding professional mistakes, lawsuits, bankruptcy, and damage to your reputation.</p>
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<h4 class="font_4" style="text-align: center">How much does non-profit insurance cost?</h4>
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<p class="font_8" style="text-align: center">The cost of covering your organization may depend on a variety of factors, including your location, the size of your non-profit, how many employees and workers you have, and what type of organization you run.</p>
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<h4 class="font_4" style="text-align: center">Policies for your staff and directors.</h4>
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<p class="font_8" style="text-align: center">It’s also particularly important to check how an insurance policy distinguishes between the organization itself and the personal liabilities of any of the directors. Meanwhile, if you employ staff, you’ll also need to look at potential risks such as claims of harassment or discrimination. Coverages such as directors and officers liability, workers’ compensation, and employment practice liability insurance may help your organization in these situations.</p>
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<p class="font_8" style="text-align: center">Looking for non-profit insurance so your organization can carry on giving back to others? Contact us to go over the specifics of your non-profit and the coverage options available to you.</p>

Non-Profit Insurance

Non-profit insurance is there for you so you can be there for others.

<h4 class="font_4" style="text-align: center">What types of businesses need pet business insurance?</h4>
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<p class="font_8" style="text-align: center">If you operate a business that deals with pets, you’ll likely need specialized coverage. This includes groomers, kennels, pet stores, pet trainers, veterinarians, non-profits, and more.</p>
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<h4 class="font_4" style="text-align: center">What is animal bailee insurance?</h4>
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<p class="font_8" style="text-align: center">This is coverage for pet businesses that take their customers’ pets into their care, custody, and control and helps cover the costs related to the injury, death, or loss of a pet.</p>
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<h4 class="font_4" style="text-align: center">Don’t forget the standard business coverages.</h4>
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<p class="font_8" style="text-align: center">There are some business insurance products you’ll likely need, regardless of your industry. Commercial umbrella insurance offers protection beyond the limits of some of your other policies. Business auto insurance is vital if your business owns a vehicle or your employees use their personal vehicles to perform work duties. A cyber liability insurance policy offers protection against the financial losses associated with data breaches. These are some examples of how your niche business still needs general coverage for your day-to-day operations.</p>
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<p class="font_8" style="text-align: center">Interested in pet business insurance? Contact us to discuss your business operations and your coverage needs.</p>

Pet Business Insurance

Pet business insurance for the unique needs of your operations.

<h4 class="font_4" style="text-align: center">Professional liability for your business and contractors.</h4>
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<p class="font_8" style="text-align: center">Errors and omissions liability insurance, also known as professional liability, is not so much about the property itself, but rather the decisions and actions you take as property managers. Some examples include disputes over whether you followed eviction procedures correctly and cases where you mistakenly hire contractors who aren’t adequately licensed. This coverage may help protect your business from these types of liability issues.</p>
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<h4 class="font_4" style="text-align: center">Coverage related to your tenants.</h4>
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<p class="font_8" style="text-align: center">Tenant discrimination covers you against claims that you acted unlawfully in deciding to whom to rent property, how much you charge, and what conditions you specified. This can be a legal minefield, so knowing you have coverage in place to help protect you against such claims can be a major relief.</p>
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<p class="font_8" style="text-align: center">Are you looking for property manager insurance to safeguard your assets, investments, and your livelihood? Contact us to discuss the specifics of the properties you own and your coverage options.</p>

Property Manager Insurance

Property manager insurance helps secure coverage for your property and liability.

<h4 class="font_4" style="text-align: center">What does restaurant insurance coverage include?</h4>
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<p class="font_8" style="text-align: center">Restaurant insurance may typically include coverage for food spoilage and contamination, general liability, liquor liability, and commercial property. Additional coverage options might be available for your policy.</p>
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<h4 class="font_4" style="text-align: center">How much does it cost to insure your restaurant?</h4>
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<p class="font_8" style="text-align: center">The costs of coverage depend on a variety of factors, such as location, as well as the size and type of your restaurant, including small restaurants, high-end restaurants, and chain restaurants.</p>
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<h4 class="font_4" style="text-align: center">The hidden risks of running a restaurant.</h4>
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<p class="font_8" style="text-align: center">Other elements that are easy to overlook include the risks of fraud and data theft that come with handling cash and card payments, the risks of spoiled food you have to throw away if there’s a power outage or refrigeration failure, and the risk of lost business if you close for repairs after a fire. Coverage options such as cyber liability, spoilage, and business income insurance may help protect you in these instances.</p>
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<p class="font_8" style="text-align: center">Are you ready to help safeguard your business with restaurant insurance? Contact us to discuss the insurance needs of your restaurant and to go over your coverage options.</p>

Restaurant Insurance

Restaurant insurance helps cover your business so you can serve your finest cuisine.

<h4 class="font_4" style="text-align: center">Coverages associated with the educational industry.</h4>
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<p class="font_8" style="text-align: center">While it might be strange to think about, operating a school is similar to operating a business, and therefore many of the same types of coverage options will also apply to your school. Don’t forget other general business insurance elements such as workers’ compensation, crisis response, employee dishonesty, and cyber liability insurance. These coverages may help prepare your school for the unexpected and has the ability to do what it does best.</p>
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<p class="font_8" style="text-align: center">Are you looking for school insurance to help protect your education facility? Contact us to go over the risks of your school, your coverage needs, and the options available to you.</p>
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School Insurance

School insurance provides coverage so you can keep teaching.

<h4 class="font_4" style="text-align: center">What types of trucks can be covered?</h4>
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<p class="font_8" style="text-align: center">Commercial trucks such as tow trucks, tractor-trailers, garbage trucks, box trucks, flatbed trucks, and tank trucks should have specialized coverage.</p>
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<h4 class="font_4" style="text-align: center">What is covered by trucking insurance?</h4>
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<p class="font_8" style="text-align: center">The coverage in your policy may vary, but a typical trucking insurance policy may include coverage for liability, physical damage, cargo, and uninsured/underinsured motorist liability.</p>
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<h4 class="font_4" style="text-align: center">Does your coverage meet and exceed the standards?</h4>
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<p class="font_8" style="text-align: center">There are a variety of factors that impact your coverage needs, as well as benefits from having different types of coverage options for your business. For example, discounts may be available based on factors such as your staff holding commercial driver’s licenses, or if your business is well-established. You might also want to check and see if your policy provides for government filings, which may be necessary to verify your coverage meets specified standards.</p>
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<p class="font_8" style="text-align: center">Are you interested in trucking insurance? Contact us to go over the needs of your trucking business and the coverage options available to you.</p>

Trucking Insurance

Trucking insurance helps protect your business on the open road.

<h4 class="font_4" style="text-align: center">Malpractice and license defense.</h4>
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<p class="font_8" style="text-align: center">Any veterinary practice can be faced with a malpractice lawsuit or a complaint to the state licensing bureau. These claims must be defended, even frivolous and unfounded ones. This defense is likely to be expensive. Hiring attorneys who are familiar with specialized knowledge of veterinarians will be required. Veterinary office insurance is available to help pay for this. Additionally, should damages or fees be awarded, your veterinarian insurance policy will make the funds available.</p>
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<h4 class="font_4" style="text-align: center">Insurance for the people in your workplace, too.</h4>
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<p class="font_8" style="text-align: center">There’s always a risk that employees can be injured on the job, and veterinary offices are no exception. Caring for animals, particularly sick or injured ones, can lead to someone getting bitten. Scalpels, needles, and other medical tools also carry the risk of injury. Workers’ compensation insurance is often mandatory, but it’s important in that it can pay for the medical bills of an employee who gets hurt or sick on the job.</p>
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<p class="font_8" style="text-align: center">For more information about protecting your practice with veterinary office insurance, contact us to go over your insurance needs and coverage options.</p>

Veterinary Office Insurance

Veterinary office insurance safeguards you so you can protect the animals in your care.

<h4 class="font_4" style="text-align: center">Don’t forget the standard business coverages.</h4>
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<p class="font_8" style="text-align: center">There are some business insurance products you’ll likely want to consider, regardless of your industry. Commercial umbrella insurance offers protection beyond the limits of some of your other policies. Commercial property insurance can help protect the property your business owns or leases, including buildings, inventory, equipment, and more. A cyber liability insurance policy offers protection against the financial losses associated with data breaches.</p>
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<p class="font_8" style="text-align: center">If you are in need of warehousing and logistics insurance coverage, contact us to discuss your options.</p>

Warehouse & Logistics Insurance

Warehousing and logistics insurance helps you keep things sorted.

<h4 class="font_4" style="text-align: center">Insurance for the business side of winemaking.</h4>
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<p class="font_8" style="text-align: center">Another integral part of wineries includes the production and manufacturing of wine, as well as the losses associated with that process. From the loss of crops to equipment breakdown, storage, transportation, and spoilage, all of these risks should be accounted for in your winery insurance policy. In addition to the specialized coverages, at the end of the day, a winery is a business. As such, you may want to consider more generalized business insurance coverages, including workers’ compensation, general liability, cyber liability, and business auto insurance.</p>
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<p class="font_8" style="text-align: center">Want to learn more about winery insurance? Contact us to go over your coverage needs and options.</p>

Winery Insurance

Winery insurance provides coverage for each aspect of your business.

<h4 class="font_4" style="text-align: center">The business side of the alarm contractor industry.</h4>
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<p class="font_8" style="text-align: center">Your alarm contractor business may vary in size from one employee to dozens. Either way, it’s still a business and you’ll need business insurance coverage to match. Like any business, a business owner insurance policy (BOP) is essential, as it combines commercial property and general liability insurance. Another important coverage to have is workers’ compensation insurance in the event that an employee is injured while on the job. Cyber liability insurance is important to have as well depending on the type of secure information you have about your customers. And business auto insurance is a necessity for company vehicles when traveling to and from job sites. Crime insurance can also be useful to safeguard your business if an employee steals from your customers.</p>
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<p class="font_8" style="text-align: center">Are you looking for alarm contractor insurance to protect your alarm installation or alarm monitoring business? </p>

Alarm Contractor Insurance

Alarm contractor insurance helps protect your business while you keep others safe.

<h4 class="font_4" style="text-align: center">Tree work doesn’t just pose dangers to your employees.</h4>
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<p class="font_8" style="text-align: center">Just like anything can happen to your employees while on the job, anything could happen to your clients too. Say you’re working on a tree and a heavy branch gets away from you, crashing into your client’s house and breaking several windows. You’re liable for that damage. The same applies to any injury your client might accidentally sustain from your work. A general liability policy may help protect you against loss due to injury or damage, which is why it’s a cornerstone of a comprehensive arborist and tree service insurance policy. For tree service workers who aren’t certified arborists, a general liability policy is especially important if damages result from mistakes made by you or your employees.</p>
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<h4 class="font_4" style="text-align: center">The business side of arboriculture and tree servicing.</h4>
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<p class="font_8" style="text-align: center">If you’re an arborist or a tree servicer, there are some basic insurance coverages you’ll want to consider. Business auto insurance is an important coverage considering the amount of traveling you do, as it offers protection in the event that a vehicle used for business purposes is involved in an accident. A business owners insurance policy (BOP) is also something to consider since it combines the protection of commercial liability and commercial property under a single policy.</p>
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<p class="font_8" style="text-align: center">Interested in arborist and tree service insurance for your business? Contact us to learn more.</p>

Arborist & Tree Service Insurance

Arborist and tree service insurance helps keep your business protection trimmed and pruned.

<h4 class="font_4" style="text-align: center">Real-world examples of the risks architects face.</h4>
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<p class="font_8" style="text-align: center">It’s more than just designing buildings, it’s about what happens during and after a project is completed. For example, something as simple as a miscommunication between the client or the contractor can result in incorrect estimates on the cost of materials and you could be held liable for negligence. Another, more serious risk, is if the structure is damaged or destroyed due to a design flaw. As the designer of the building, you have a responsibility for the safety and well-being of people who use it. While the risks vary from minor to major, it’s necessary to have enhanced protection when it matters.</p>
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<h4 class="font_4" style="text-align: center">The business side of being an architect.</h4>
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<p class="font_8" style="text-align: center">Depending on the size of your architecture design firm, whether it’s just one architect or a large team, there are some coverages that all businesses need. One type of coverage is a business owners insurance policy (BOP), which combines business property and business liability coverage under one policy. Another insurance solution that architects should have is general liability insurance. This helps protect your business in case of injuries or damages caused by your business in the course of operations.</p>
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<p class="font_8" style="text-align: center">If you are an architect, you need to consider an architect insurance policy. Contact us to go over your business needs and coverage options.</p>

Architect Insurance

Architect insurance helps protect you from the first sketch to the finished product.

<h4 class="font_4" style="text-align: center">The risks of owning and operating an art gallery.</h4>
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<p class="font_8" style="text-align: center">While art galleries are places to experience the beauty of art, there are risks lurking beneath the surface when it comes to owning and operating one. Because of the high value placed on works of art, they are prime targets for theft. If the crowning jewel of your art collection is stolen, do you have enough insurance to recover from such a devastating loss? If you take a work of art to be appraised and it is damaged or destroyed while in transit, is that piece of art properly covered? And if a guest or employee is injured while on the premises of your art gallery, can you afford the costs of potential lawsuits related to those injuries? All of these risk factors are important to understand. Here are some coverage options to consider in your art gallery insurance policy:</p>
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<li style="text-align: center"><p class="font_8" style="text-align: center">Art Title</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Business Income</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Cyber Liability</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Directors and Officers Liability</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Commercial Property</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Earthquake</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Employment Practice Liability</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">General Liability</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Workers’ Compensation</p></li>
</ul>
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<h4 class="font_4" style="text-align: center">The business side of art galleries.</h4>
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<p class="font_8" style="text-align: center">Your art gallery might not look like most other businesses, but at its core, it needs to be protected. Because of the high volume of foot traffic that your gallery generates, the risks go up simply because of the visitors who walk through your door. General liability insurance is important to have, as it offers coverage for the expenses associated with defending lawsuits brought up by personal injury or property damage claims. In addition, commercial property insurance offers coverage for the building itself, should it be damaged due to a covered event. Also, cyber liability insurance is increasingly vital for art galleries, as the information on buyers and guests could get into the wrong hands during a cyber-attack.</p>
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<p class="font_8" style="text-align: center">Are you ready to protect your business with art gallery insurance? Contact us to discuss your needs and coverage options.</p>

Art Gallery Insurance

Art gallery insurance to protect your business from the ugly, unexpected risks.

<h4 class="font_4" style="text-align: center">Make sure your expensive equipment is insured.</h4>
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<p class="font_8" style="text-align: center">Salon chairs, professional-grade styling tools, and makeup aren’t cheap. Additionally, you likely own other equipment and stock supplies for use at your beauty salon. What happens if that equipment gets damaged? For instance, what do you do if all your hairdryers running at once cause your electrical circuit to overload? Systems breakdown insurance, as part of your beauty salon insurance coverage, protects your business in the event of damage to your equipment in a covered incident. Specifically, it helps you cover the costs of repairing or replacing the equipment. Broken equipment can cause your business to lose income, and in some cases, systems breakdown insurance may help cover that loss as well.</p>
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<h4 class="font_4" style="text-align: center">Other coverages for your business needs.</h4>
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<p class="font_8" style="text-align: center">Just like any other business, there are a few basic coverages you should consider as part of your beauty salon insurance policy. For instance, commercial property insurance helps cover damages to property and inventory if the damage results from a covered event. Also, workers’ compensation helps pay for injuries to employees while on the job. Finally, if you use a computer system for record-keeping and appointments, cyber liability insurance is a must to help protect you from hackers or data breaches.</p>
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<p class="font_8" style="text-align: center">Contact us to find out how a beauty salon insurance plan may help protect your business.</p>

Beauty Salon Insurance

Beauty salon insurance helps protect your business in style.

<h4 class="font_4" style="text-align: center">Some coverage needs are fairly common.</h4>
<p class="font_8" style="text-align: center">Although your business is unique and requires specialized coverage, there are some fairly common insurance coverages you may want to consider. For instance, you may need the following:</p>
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<li style="text-align: center"><p class="font_8" style="text-align: center">Business Auto</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Business Interruption</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Commercial Property</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Cyber Liability</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Employment Practice Liability</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">General Liability</p></li>
</ul>
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<h4 class="font_4" style="text-align: center">General liability insurance is probably not enough.</h4>
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<p class="font_8" style="text-align: center">A general liability policy can provide important protection if your business is sued because of injuries or damage you are alleged to have caused. However, it may not cover every situation. Pollution liability insurance can offer coverage in the event there is a fuel leak either from a vehicle on your property or a storage tank. Also, if your site offers access to alcohol, you may want to consider a liquor liability policy in the event someone has too much to drink and causes damage or injuries.</p>
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<p class="font_8" style="text-align: center">Are you interested in campsite insurance? Contact us to discuss your insurance options.</p>

Campsite Insurance

Campsite insurance protects your business so others can enjoy the great outdoors.

<h4 class="font_4" style="text-align: center">Liability coverage options for cannabis businesses.</h4>
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<p class="font_8" style="text-align: center">Liability issues are also important in cannabis insurance. This includes general liability insurance that helps protect against incidents such as a visitor to your facility being injured. In addition, product liability insurance helps provide coverage that kicks in if you are sued over your products.</p>
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<h4 class="font_4" style="text-align: center">Policies for medical and recreational cannabis.</h4>
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<p class="font_8" style="text-align: center">You’ll need to check policy conditions carefully. Often it’s a condition of the insurance that you comply with all local laws, regulations, and licensing. Also, remember that the insurance conditions for medical cannabis may differ from those for recreational cannabis.</p>
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<p class="font_8" style="text-align: center">Cannabis insurance is a new, thriving industry, but you may still get coverage to protect your business. To find out more about the risks you need to cover, contact us.</p>

Cannabis Insurance

Cannabis insurance helps protect your business from going up in smoke.

<h4 class="font_4" style="text-align: center">Coverage depends on the carpentry work you perform.</h4>
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<p class="font_8" style="text-align: center">In order to get a well-rounded carpenter insurance policy, it’s important for your agent to understand the specific types of services you provide in the carpentry industry. For instance, the coverage needs of a carpenter who focuses solely on remodeling and refinishing for residential properties differs vastly from the needs of a carpentry contractor who installs structural supports and framework for buildings. Take the services you provide into account when considering your specialized insurance policy so that it fits your business. Here are some examples of the different types of carpenters that may benefit from a specialized carpenter insurance policy:</p>
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<li style="text-align: center"><p class="font_8" style="text-align: center">Cabinetmakers</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Finish Carpenters</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Framers</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Joisters</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Roofers</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Rough Carpenters</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Ship Carpenters</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Trim Carpenters</p></li>
</ul>
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<h4 class="font_4" style="text-align: center">Carpenters still need general business insurance.</h4>
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<p class="font_8" style="text-align: center">As a carpenter, whether you have an entire team or you are a one-person shop, you are still operating a business and need insurance coverage to protect it just the same. Business auto insurance protects you if you or an employee is involved in an accident with a company vehicle while in transit to or from a job. Inland marine insurance provides coverage for materials, tools, and equipment in the event that they are damaged or stolen while in transit. Crime insurance offers another layer of protection to help cover your business if an employee is found stealing from a client. Also, cyber liability insurance may benefit your business if you store client information on your computers.</p>
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<p class="font_8" style="text-align: center">Contact us to learn more about finding carpenter insurance for your business.</p>

Carpenter Insurance

Carpenter insurance helps secure solid protection for your day-to-day operations.

Concrete Contractor Insurance

Concrete contractor insurance provides coverage for the risks of your trade.

<h4 class="font_4" style="text-align: center">Why do you need cyber security contractor insurance?</h4>
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<p class="font_8" style="text-align: center">With the world becoming increasingly digital by the day, there are more and more hackers out there trying to steal that information. As a cyber security contractor, it’s your job to help protect your clients’ data, but who will protect you? That’s where this type of policy comes in.</p>
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<h4 class="font_4" style="text-align: center">Dishonesty is an unexpected problem.</h4>
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<p class="font_8" style="text-align: center">When you hire your employees, you never doubt whether they’re trustworthy or not, which can sometimes come back to bite you. Your employees have access to your clients’ sensitive data and network as well as yours, which puts them in a prime position for potentially committing a crime. Therefore, fidelity bonds, also known as employee dishonesty bonds, are an important part of your cyber security contractor insurance policy. This policy may protect you and your clients in the event that an employee steals data, money, and even property from your business or from your clients.</p>
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<h4 class="font_4" style="text-align: center">Round out your cyber security contractor insurance.</h4>
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<p class="font_8" style="text-align: center">Cyber security contractors face some unique risks, but there are still some standard coverages you may want to consider as part of your cyber security contractor insurance plan. As a contractor, it’s likely you’ll have to travel to client sites for network setup, monitoring, or other services. Business auto insurance may help cover damages to your vehicles while they’re being used to conduct company business. In addition, commercial property insurance may help protect your company’s building and most things in it from loss caused by fire, theft, flooding, or other named perils. Finally, your employees often work with electronics, which could cause injury. Workers’ compensation insurance may help cover lost wages and medical expenses in the event that an employee gets injured on the job.</p>
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<p class="font_8" style="text-align: center">You’re busy protecting your clients’ security, insurance may help protect your business. Contact us to learn more about cyber security contractor insurance coverage.</p>

Cyber Security Contractor Insurance

Cyber security contractor insurance helps build a firewall of protection around your business.

<h4 class="font_4" style="text-align: center">Protecting your business everywhere you are.</h4>
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<p class="font_8" style="text-align: center">Drywall contractor insurance should include business auto insurance. As a business that travels from job site to job site, it’s crucial that your vehicles are covered in case they are involved in an accident. Business auto insurance offers financial protection if one of your company cars or trucks causes property damage or bodily injury. Insurance may also be available for physical damage to one of your own vehicles.</p>
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<h4 class="font_4" style="text-align: center">Reduce the impact of crime risks.</h4>
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<p class="font_8" style="text-align: center">Crime insurance and employee dishonesty insurance are two policies you may also wish to consider. Crime insurance protects in the event of theft, vandalism, or fraudulent activity. Employee dishonesty covers risks such as theft of materials or tools as well as embezzlement. Because your employees work in the homes and businesses of your clients, these are important coverages to have.</p>
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<h4 class="font_4" style="text-align: center">Insurance for the business side of your operation, too.</h4>
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<p class="font_8" style="text-align: center">There are some insurance coverages that are essential in nearly every industry and it’s important to not overlook them. For instance, workers’ compensation insurance is likely required where you’re located, but it’s especially important because of the physical nature of your work and the higher likelihood of injury. Because regulations vary in different locations, make sure your agent knows all the areas where you perform work. Also, consider cyber liability insurance if you use a computer system in any way. Finally, if you’re accused of discrimination, employment practice liability insurance may help pay for defense costs and settlements.</p>
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<p class="font_8" style="text-align: center">Contact us today to learn more about drywall contractor insurance to help safeguard your business.</p>

Drywall Contractor Insurance

Drywall contractor insurance provides coverage for your unique industry.

<h4 class="font_4" style="text-align: center">Home-based businesses need protection, too.</h4>
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<p class="font_8" style="text-align: center">If you’re an electrical contractor who operates your business out of your home, you still need business insurance. A business owners insurance policy (BOP) offers coverage that will go beyond your standard home insurance. If you receive deliveries or mail, have customers at your home, or store inventory and tools at your home, consider business insurance for your home-based operation.</p>
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<h4 class="font_4" style="text-align: center">How much does insurance cost for electricians?</h4>
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<p class="font_8" style="text-align: center">The cost of your policy may vary depending on your location, the size of your operations, how many people you have on staff, and how much your business makes.</p>
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<h4 class="font_4" style="text-align: center">Don’t ignore the business side of your operation.</h4>
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<p class="font_8" style="text-align: center">Even in the midst of the industry-specific risks electricians and electrical contractors face, general business insurance policies should be considered. For example, if you use computers to run any aspect of your company, cyber liability insurance is a must. Employment practice liability insurance may pay for legal fees and court-awarded damages if you’re accused of discrimination, harassment, or unfair hiring and firing practices. Commercial property insurance helps protect your shop and its contents in the event of a fire or other losses.</p>
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<p class="font_8" style="text-align: center">Ready to discuss the unique insurance needs of your electrical contractor business? Contact us to learn more.</p>

Electrical Contractor Insurance

Electrical contractor insurance helps keep the lights on for your business.

<h4 class="font_4" style="text-align: center">Real-world examples of the risks engineers face.</h4>
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<p class="font_8" style="text-align: center">Every type of engineer has risks unique to their field. Therefore, a one-size-fits-all approach will not work when it comes to insurance. For example, if a software engineer develops a program that becomes susceptible to viruses and leads to data loss, they can be held responsible. If a civil engineer makes an error that results in the damage or the failure of a bridge, it can lead to massive costs and even loss of life. And if a mechanical engineer designs heavy machinery that doesn’t operate correctly, the manufacturer can hold them accountable. Without insurance, an engineer in any of these situations could be devastated financially by lawsuits.</p>
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<h4 class="font_4" style="text-align: center">Engineers need coverage just like businesses do.</h4>
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<p class="font_8" style="text-align: center">Like other businesses, engineers can benefit from having a business owners insurance policy (BOP). This combines commercial property and business liability insurance under one policy. General liability insurance is essential for accidents or injuries on your property as well as damages your business may cause. Commercial property insurance helps protect you if your building or its contents are damaged. In addition, workers’ compensation insurance is important to cover employees who are injured on the job. Also, cyber liability insurance is necessary to protect against the loss of sensitive data.</p>
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<p class="font_8" style="text-align: center">No matter what type of engineer you are, you should have engineer insurance. Contact us to learn more.</p>

Engineer Insurance

Engineer insurance for different types of engineers.

<h4 class="font_4" style="text-align: center">How much does equipment rental insurance cost?</h4>
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<p class="font_8" style="text-align: center">The cost of your policy may vary depending on the type of equipment you rent out, the location of your business, and the scale of your operations.</p>
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<h4 class="font_4" style="text-align: center">Other insurance solutions that your business may need.</h4>
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<p class="font_8" style="text-align: center">The specifics of your business operations determine the types and amount of coverage you should have. For example, if you have a team of employees, a workers’ compensation insurance policy is important to cover medical expenses due to injuries while on the job. Also, consider business auto insurance if you or your employees use company vehicles for business purposes. If you want to have even more coverage in the event that your limits are reached on your other policies, a commercial umbrella insurance policy may fill in those gaps. Finally, if your business accepts online or card payments, or just stores customer information on your computer systems, cyber liability insurance may protect your business if there is a data breach.</p>
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<p class="font_8" style="text-align: center">Are you ready to protect your equipment rental business with an insurance policy? Contact us to discuss your coverage options.</p>

Equiptment Rental Insurance

Equipment rental insurance helps protect your business and equipment.

<h4 class="font_4" style="text-align: center">How much does excavation contractor insurance cost?</h4>
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<p class="font_8" style="text-align: center">The cost of your policy may vary depending on where your business is located, how many employees you have, and the type of work you perform.</p>
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<h4 class="font_4" style="text-align: center">Don’t forget other business insurance policies.</h4>
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<p class="font_8" style="text-align: center">You’ll need commercial property insurance for the home base of your operations. Employment practice liability insurance pays expenses for defending against claims of harassment, discrimination, or unlawful hiring and termination practices. Cyber liability insurance offers protection if your computer network is hacked.</p>
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<p class="font_8" style="text-align: center">Start protecting your business with excavation contractor insurance. Contact us to get started.</p>

Excavation Contractor Insurance

Excavation contractor insurance helps cover the depths of your business.

<h4 class="font_4" style="text-align: center">Coverage for your building and its contents.</h4>
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<p class="font_8" style="text-align: center">Your business may have a large warehouse, a storage facility, or just a small administrative office. Regardless, you need to protect your space and what’s inside. To illustrate, even a small fire can devastate a structure, leaving your business unable to operate and financially wiped out. A commercial property insurance policy may help protect your business and recover from covered damages.</p>
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<h4 class="font_4" style="text-align: center">Protect your tools, equipment, and supplies.</h4>
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<p class="font_8" style="text-align: center">Flooring contractor insurance coverage for tools, equipment, and supplies protects you from the financial risks you face if these items are lost, stolen, or damaged. Your commercial property insurance policy should provide coverage for when these items are on your premises. Similarly, inland marine insurance would provide coverage should the loss occur while in transit. If your items are damaged on a job site, the general contractor’s builders risk policy may provide coverage, but again, you’ll want to verify that you’re covered everywhere your items go.</p>
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<h4 class="font_4" style="text-align: center">Don’t forget the business side of your operation.</h4>
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<p class="font_8" style="text-align: center">Some insurance policies can be beneficial for all industries and you should give consideration to incorporating them into your flooring contractor insurance program. For instance, extra expense insurance may provide funds to temporarily relocate your office or showroom if it becomes inaccessible for certain reasons. And, if you keep client information in a computer system, a cyber liability insurance policy could be helpful in the event of a data breach. Workers’ compensation insurance is likely required where you operate, but it’s especially important given the physical nature of the work you perform. Finally, employment practice liability insurance may help pay for defense costs if you’re sued by someone claiming discrimination.</p>
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<p class="font_8" style="text-align: center">If you’re looking for flooring contractor insurance for your business, contact us to learn more and to get started.</p>

Flooring Contractor Insurance

Flooring contractor insurance helps cover your business from the floor up.

<h4 class="font_4" style="text-align: center">Does a floral shop need business auto insurance?</h4>
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<p class="font_8" style="text-align: center">Any business on the go could benefit from business auto insurance. For instance, if your operation has a vehicle for making deliveries or picking up supplies, you should consider insurance that can protect you in the event of an accident. And, if your employees use their personal vehicles for business, a hired and non-owned auto policy may be right for you.</p>
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<h4 class="font_4" style="text-align: center">Consider these other common business coverages.</h4>
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<p class="font_8" style="text-align: center">Most businesses need some of the more common insurance policies. For example, cyber liability insurance offers financial protection in the event of a cyber attack. Also, you may be required by law to carry workers’ compensation insurance. And, business interruption insurance can help keep you up and running in the event you’re unable to open your shop due to a covered loss.</p>
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<p class="font_8" style="text-align: center">Are you interested in getting floral shop insurance for your business? If so, contact us to discuss your options.</p>

Floral Shop Insurance

Floral shop insurance that’s designed to help your business bloom.

<h4 class="font_4" style="text-align: center">Get coverage for a variety of potential liabilities.</h4>
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<p class="font_8" style="text-align: center">Life can throw your business into some crazy situations which is why it’s important to have the necessary coverage. For instance, let’s say you’re parked out in the sun on a hot summer day when a customer leans up against your truck and burns themselves. Or perhaps a customer has eaten one of your delicious lobster rolls but came down with food poisoning and thinks they got it from your food truck. You could be held liable for these situations and more. General liability insurance is an important part of your food truck insurance coverage as it may help you cover the costs of damages you’re liable for. It may also help cover the cost to defend yourself against such accusations.</p>
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<h4 class="font_4" style="text-align: center">Working with food involves special coverage.</h4>
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<p class="font_8" style="text-align: center">You obviously don’t want your customers to get sick from eating your food, which is why you wouldn’t serve them anything potentially spoiled or contaminated. What happens if the power goes out and causes all the food in your fridge to spoil? What happens if your food is exposed to a contaminant? There’s special coverage you can add to your food truck insurance plan to help protect you. Spoilage insurance can help cover you if your food spoils from a covered event, such as a power outage or broken refrigerator. Food contamination shut down insurance can help protect you from lost income if you’re forced to close for contamination reasons. Some policies can even help cover the costs to help fix the issue.</p>
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<h4 class="font_4" style="text-align: center">Your food truck is just like any other business.</h4>
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<p class="font_8" style="text-align: center">While a food truck is a unique way to house and run a business, it still needs some basic coverages as part of your food truck insurance policy. For example, if you have employees, you’ll want to get workers’ compensation insurance to help cover their expenses and lost wages in the event they get hurt while on the job. Since you work with a lot of expensive equipment that’s necessary to make your food, systems breakdown insurance can help cover the costs of repair and replacement in the event your equipment breaks. Additionally, because your business relies on traveling to locations, business interruption insurance can help cover lost income if you’re unable to operate your business—following a natural disaster is an example.</p>
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<p class="font_8" style="text-align: center">Are you ready to learn more about specialized food truck insurance coverage? Contact us today to discuss your insurance options.</p>

Food Truck Insurance

Food truck insurance helps cover your business so you can keep your customers fed.

<h4 class="font_4" style="text-align: center">Include protection for allegations of improper conduct.</h4>
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<p class="font_8" style="text-align: center">Claims of improper conduct must be defended, regardless of merit. Fraternal organizations should consider, amongst others, two types of insurance. First, employment practice liability insurance may pay for the defense of claims of harassment, improper hiring or termination, and discrimination. Also, organizations that work with people, particularly senior citizens or children, may want to consider abuse and molestation liability insurance. This coverage may pay for court costs, defense, and settlements.</p>
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<h4 class="font_4" style="text-align: center">Business auto insurance benefits your organization.</h4>
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<p class="font_8" style="text-align: center">Some fraternal organizations own a vehicle that transports members, staff, or volunteers. In this case, business auto insurance provides protection in the event an accident results in property damage or bodily injury. Additionally, if anyone is using their personal vehicle for business purposes, or you occasionally rent a vehicle for a specific event, you should also consider hired and non-owned auto insurance.</p>
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<h4 class="font_4" style="text-align: center">Events and fundraisers require insurance.</h4>
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<p class="font_8" style="text-align: center">If your organization holds events and fundraisers, whether on-site or off, there are additional coverages to consider. For example, if there will be alcohol at the event, liquor liability insurance offers protection in case someone is over-served and causes harm. For those using outside vendors, event cancellation insurance offers coverage if the event can’t be held due to certain circumstances. You may also wish to get additional liability insurance to protect your organization if someone is injured or property is damaged.</p>
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<h4 class="font_4" style="text-align: center">Don’t overlook basic business insurance.</h4>
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<p class="font_8" style="text-align: center">Specialized fraternal organization insurance is important, but most organizations benefit from some basic business insurance policies. Consider cyber liability insurance if you retain any sensitive information on your computer network. Also consider umbrella insurance, which provides coverage that extends above and beyond your other policies’ limits.</p>
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<p class="font_8" style="text-align: center">Contact us to learn more about the unique insurance coverage needs of your fraternal organization.</p>

Fraternal Organization Insurance

Fraternal organization insurance helps cover the activities and events you undertake.

<h4 class="font_4" style="text-align: center">What does homeowners association insurance cover?</h4>
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<p class="font_8" style="text-align: center">The main part of an HOA policy is that it may cover your organization against liability claims from personal injuries and property damage at the common areas your HOA owns.</p>
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<h4 class="font_4" style="text-align: center">Important things to know about insurance for HOAs.</h4>
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<p class="font_8" style="text-align: center">Homeowners association insurance covers structures owned by the HOA, not the personal belongings of the residents. This means that if a resident does not have the appropriate coverage for their personal belongings, it would not be covered under the HOA’s policy. The requirements of minimum coverage that HOA members need may vary depending on where your community is located. Your agent will be able to determine what is covered by the HOA and what HOA members are responsible for.</p>
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<h4 class="font_4" style="text-align: center">The business side of homeowners associations.</h4>
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<p class="font_8" style="text-align: center">There are some policies that your homeowners association may want to consider in order to provide more protection. For example, if you hire employees that perform maintenance and are injured on the job, workers’ compensation insurance may offer coverage for their medical expenses. A cyber liability insurance policy could benefit the HOA if you store any sort of personal information on your computer network. Also, a social host liability insurance policy is helpful to have if you allow HOA members to host events at HOA-owned buildings or common areas, as it provides coverage from potential liability claims.</p>
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<p class="font_8" style="text-align: center">Do you need homeowners association insurance for your HOA? Contact us to discuss your options.</p>

Homeowners Association Insurance

Homeowners association insurance offers protection for the properties you own.

<h4 class="font_4" style="text-align: center">Workers’ compensation insurance is a must.</h4>
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<p class="font_8" style="text-align: center">Generally speaking, workers’ compensation insurance is required. Even the most well-trained employees can get hurt on the job, especially in an industry that can have them working on rooftops, in basements, and in multiple locations. For this reason, having coverage appropriate for the HVAC industry and the areas your business serves is essential.</p>
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<h4 class="font_4" style="text-align: center">HVAC contractors need business auto insurance.</h4>
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<p class="font_8" style="text-align: center">Because your business requires your employees to travel and haul equipment, you likely have a fleet of vans, trucks, and trailers. Vehicles owned by the company should be covered under a business auto insurance policy if there is an accident. This policy may also cover damage due to vandalism or theft. If employees use their own vehicles for business, you’ll also want to purchase hired and non-owned auto insurance.</p>
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<h4 class="font_4" style="text-align: center">What are the risks that HVAC contractors face?</h4>
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<p class="font_8" style="text-align: center">As an HVAC contractor, the primary risk factors are personal injury while on the job, accidental damage to a client’s property, or even a fire caused by mistake. These are liability issues you’ll want to have covered in your insurance policy.</p>
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<h4 class="font_4" style="text-align: center">Don’t neglect the business side of your organization.</h4>
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<p class="font_8" style="text-align: center">Employment practice liability insurance (EPLI) may help cover expenses associated with defense against claims of discrimination, harassment, or unlawful termination practices. You’ll want to consider cyber liability insurance that can offer protection against hackers and data breaches. Professional liability insurance may help pay for an attorney and court fees. On the other hand, it may cover damages that are associated with lawsuits alleging damage to a property due to negligence.</p>
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<p class="font_8" style="text-align: center">We’re happy to discuss the HVAC contractor insurance needs of your business. Contact us to learn more.</p>

HVAC Contractor Insurance

HVAC contractor insurance helps keep your business comfortable.

<h4 class="font_4" style="text-align: center">What are the most important coverages for insurance agents?</h4>
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<p class="font_8" style="text-align: center">Aside from errors and omissions liability, you may also want to consider a business owners policy, workers’ compensation, and general liability insurance to help safeguard your agency.</p>
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<h4 class="font_4" style="text-align: center">The business side of running an insurance agency.</h4>
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<p class="font_8" style="text-align: center">Every insurance agency has to take the business side of their operations into account when deciding on coverage options, many of which are common to any business. First and foremost, a business owners insurance policy (BOP) offers coverage for commercial property and general liability under a single policy. An agency of any size and type can benefit from this coverage. Another common coverage includes cyber liability insurance. Because your agency has clients’ personal information in your records, if there were a data breach that information could get into the wrong hands, this coverage would help protect you from lawsuits or losses related to a cyber incident.</p>
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<p class="font_8" style="text-align: center">Are you an insurance agent looking for coverage for your insurance agency? Contact us to discuss your options with an insurance agent insurance policy.</p>

Insurance Agent Insurance

Insurance agent insurance helps cover you while you insure others.

<h4 class="font_4" style="text-align: center">Why your base of operations matters.</h4>
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<p class="font_8" style="text-align: center">Some interior designers are sole proprietors and work out of their homes. Others have an office building and manage multiple employees. Whatever type of business you manage, your needs will vary. If you operate your business from your own home, you’ll need additional coverage beyond your home insurance policy if you have materials delivered there, have items stored there, or have clients and/or employees at your home. If you operate your interior design firm at an office and have multiple employees, you might require more coverage options such as workers’ compensation and others to protect your team and your property.</p>
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<h4 class="font_4" style="text-align: center">Unique coverage for residential and commercial projects.</h4>
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<p class="font_8" style="text-align: center">The risks associated with residential and commercial projects differ. For instance, if you are designing for a business, there might be additional considerations for safety and staying up to code. Whereas with residential homes, the scale of the design might typically be smaller and there may not be as many industry-specific regulations to contend with. And if your interior design business works in both fields, your insurance coverage will need to match that.</p>
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<h4 class="font_4" style="text-align: center">Interior design is still a business.</h4>
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<p class="font_8" style="text-align: center">Even if you are the sole proprietor of your own interior design company, it’s still a business and you still need business insurance. When you hire employees, you should have coverages like workers’ compensation and employment practice liability insurance (EPLI) in place to protect them and your business at the same time. It’s important to remember that your business, no matter how large or small, needs to be protected.</p>
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<p class="font_8" style="text-align: center">Are you looking for interior designer insurance coverage? Contact us to learn more.</p>

Interior Design Insurance

Interior designer insurance designed for your unique business.

<h4 class="font_4" style="text-align: center">How much does investment advisor insurance cost?</h4>
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<p class="font_8" style="text-align: center">The cost of your policy may vary depending on a variety of factors such as the number of clients you have, the number of assets you control, and the overall scale of your operations.</p>
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<h4 class="font_4" style="text-align: center">The business side of investment advisor firms.</h4>
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<p class="font_8" style="text-align: center">While your business might have a great deal of responsibility in handling the investments and wealth of your clients, at its core it is still a business. That’s why insurance coverage like business owners insurance policy (BOP), which combines commercial property and general liability insurance, is a must. Employment practice liability insurance (EPLI) offers protection against claims of sexual harassment, discrimination, or improper hiring and firing decisions. Crime and theft insurance is another policy to consider, given that employees have access to the financial information of clients.</p>
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<p class="font_8" style="text-align: center">Handling investments is a high-risk role, which is why investment advisor insurance is essential in this line of work. Contact us to discuss your coverage options.</p>

Investment Advisor Insurance

Investment advisor insurance helps keep your business stable.

<h4 class="font_4" style="text-align: center">Working in the digital world makes you a target for hackers.</h4>
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<p class="font_8" style="text-align: center">As IT contractors, you probably understand the benefits of working with all things digital, but you also know the risks better than anyone. You hear about hackers and warn clients all the time, but are you following your own advice? Cyber liability insurance may help protect your business in the event of a data breach. It offers protection against the costs of notifying your clients, potential fraud monitoring, and any other legal expenses that result from the breach, such as client lawsuits.</p>
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<h4 class="font_4" style="text-align: center">Provide coverage for employees if they get hurt.</h4>
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<p class="font_8" style="text-align: center">You wouldn’t necessarily think that being an IT contractor could be a dangerous job, but it certainly has its own unique hazards. By working with technical equipment, you’re exposing your employees to potential injury. One faulty bit of wiring in a server your contractor is working on could land them in the hospital, putting you in the hot seat if you aren’t properly covered. Workers’ compensation insurance is important to have as part of your IT contractor insurance coverage as it may provide coverage for your employees if they get injured on the job by covering medical costs, lost income, and more.</p>
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<h4 class="font_4" style="text-align: center">Cover the basics of your IT contracting business.</h4>
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<p class="font_8" style="text-align: center">There are some basic coverages you may want to obtain as part of your IT contractor insurance plan. The nature of your work likely requires travel to client sites. Business auto insurance may help cover your vehicles if they are involved in an accident while on company business. Since you’re going out to client sites, general liability insurance is another important coverage since it may protect you from liability resulting from damage to other people or their property. As mentioned before, commercial property insurance is a key part of your plan as it may help cover the costs of damage to your business’s building, equipment, and more as a result of fire, water damage, or theft.</p>
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<p class="font_8" style="text-align: center">If you’re looking to learn more about IT contractor insurance, contact us to get started.</p>

IT Contractor Insurance

IT contractor insurance helps safeguard your business in the digital world.

<h4 class="font_4" style="text-align: center">Business auto insurance for your employees on the move.</h4>
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<p class="font_8" style="text-align: center">As a janitorial services company, your employees are traveling from site to site. If you have a van that carries workers or equipment to each location, business auto insurance is a must. Sometimes employees will transport themselves in their own vehicles, but this doesn’t let you off the hook. In this case, you’ll want to explore non-owned auto insurance. Your business can be held liable if your employees are responsible for an auto accident while they’re working for you, so adequate insurance coverage should be in place.</p>
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<h4 class="font_4" style="text-align: center">Consider pollution and environmental insurance.</h4>
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<p class="font_8" style="text-align: center">If your business is using chemicals and solvents, they can cause environmental hazards. Mixing chemicals can affect air quality and spilled materials can require specialized cleanup. Runoff of chemicals can potentially contaminate water and soil around a property as well. Janitorial and cleaning services companies can also inadvertently release mold, asbestos, lead, and other contaminants while working on-site. Insurance is available to help protect your business financially for cleanup and remediation costs, as well as other related damages.</p>
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<h4 class="font_4" style="text-align: center">Address common business insurance needs.</h4>
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<p class="font_8" style="text-align: center">There are some insurance policies that are common to most businesses. Workers’ compensation insurance may protect you in the event an employee is injured or killed on the job. If your business’ network is hacked and customer records are exposed, cyber liability insurance may provide financial support. Commercial property insurance helps cover the equipment your business owns and uses, and limits should be adequate to cover your most expensive machinery. Employment practice liability and professional liability insurance may also be beneficial.</p>
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<p class="font_8" style="text-align: center">Have questions about your janitorial services insurance needs? Contact us to discuss your coverage options and business needs.</p>

Janitorial Services Insurance

Janitorial services insurance helps keep your business operations clean.

<h4 class="font_4" style="text-align: center">Unintentional and intentional dishonesty can happen.</h4>
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<p class="font_8" style="text-align: center">As part of your business, you may be appraising jewelry and other related pieces. While you don’t intend to be dishonest with your appraisal, sometimes mistakes happen and you may end up undervaluing or overvaluing a piece. You could be held liable for the mistake, which is where errors and omissions liability insurance (E&O) can help protect you since it may cover damages your customers face because of your appraisal. However, sometimes there is unfortunate intentional dishonesty from your employees. They may overcharge customers to pocket the difference, may undervalue a piece being sold to your business in exchange for cash, or possibly try to embezzle inventory or cash from the store. To protect yourself from these intentional acts, consider employee dishonesty insurance as part of your jewelers insurance coverage.</p>
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<h4 class="font_4" style="text-align: center">Why do jewelers need insurance?</h4>
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<p class="font_8" style="text-align: center">As a jeweler, you not only provide us with diamond, emerald, gold, and silver pieces, you also often appraise, buy, and repair them. This varied business means you face unique risks that require jewelers insurance coverage.</p>
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<h4 class="font_4" style="text-align: center">Other coverages for your business needs.</h4>
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<p class="font_8" style="text-align: center">There are a few basic coverages that any business should consider. Jewelers have been around for centuries, but times have changed and become more digital, which is why a cyber liability insurance policy is important for your jewelers insurance coverage. It may help protect your business from losses resulting from a data breach or hack. If your business has a lot of expensive equipment for repairs, cleanings, or other services, equipment breakdown insurance may provide coverage in case your machines need to be repaired or replaced. Your work environment may not seem particularly dangerous, but workers’ compensation is required in most businesses and even jewelers are at risk for injury.</p>
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<p class="font_8" style="text-align: center">Contact us to find out how a jewelers insurance plan may help protect your business and your assets.</p>

Jewelers Insurance

Jewelers insurance helps your business shine bright and stay safe.

<h4 class="font_4" style="text-align: center">What impacts the type of insurance needed for land surveyors?</h4>
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<p class="font_8" style="text-align: center">Everything from the size of your business operations to the locations you work in determines the type of insurance coverage you need. Equipment, property, vehicles, employees, and other factors all play a role in what coverage options your land surveying business might require. Where you operate can also dictate which coverages are required by law. And the scale of your business and clientele can make a difference, whether you focus on residential projects or commercial ones.</p>
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<h4 class="font_4" style="text-align: center">The business side of land surveying.</h4>
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<p class="font_8" style="text-align: center">When you operate a land surveying business, there are insurance coverages that are essential for businesses of all types. This includes things like general liability insurance to cover your property, as well as business auto insurance, which offers protection in the event that a vehicle used for business purposes is involved in an accident. In addition, a business owners insurance policy (BOP) combines commercial liability and commercial property under a single policy. Cyber liability insurance is also important to consider to help protect you in the event of a data breach.</p>
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<p class="font_8" style="text-align: center">Are you looking for land surveyor insurance to help protect your business? Contact us to go over your business needs and coverage options.</p>

Land Surveyor Insurance

Land surveyor insurance that’s as detailed as the work you perform.

<h1 class="font_0" style="text-align: center">Does your legal practice need insurance?</h1>
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<p class="font_8" style="text-align: center">Whether you’re a small or mid-sized legal firm or a solo practitioner, it’s time to consider getting legal professional insurance coverage in place to help safeguard your business and financial security.</p>
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<h4 class="font_4" style="text-align: center">The business side of legal professional insurance.</h4>
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<p class="font_8" style="text-align: center">Just like any other business, there are some important coverages you should consider in order to keep yourself and your business protected. With businesses increasingly going paperless, cyber liability insurance is more important than ever. It protects you from losses associated with data breaches or hacks. General liability insurance can financially protect you in the event of personal injury or property damage claims. In addition, commercial property insurance offers coverage for your building itself and most contents, should it be damaged due to a covered event. If you’re looking to simplify your insurance, business owners insurance—also called a business owners policy or BOP—offers a combination of liability coverage and commercial property coverage under a single policy.</p>
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<p class="font_8" style="text-align: center">Are you ready to help protect your practice with legal professional insurance? Contact us to discuss your needs and coverage options.</p>

Legal Professional Insurance

Legal professional insurance helps protect lawyers and legal practices.

<h4 class="font_4" style="text-align: center">Coverage for taxis.</h4>
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<p class="font_8" style="text-align: center">The type of taxi service you offer may determine whether your business needs livery coverage or not. If you operate a traditional taxi business, where customers hail cabs at the moment, your insurance needs may differ. If your taxi service offers pre-scheduled pick-ups and transportation, you’ll want to consider some form of livery insurance coverage. Taxi insurance as part of your policy may also cover vehicles that may not be considered traditional taxis, such as airport shuttles or sightseeing tour buses.</p>
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<h4 class="font_4" style="text-align: center">Coverage for limousines.</h4>
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<p class="font_8" style="text-align: center">People love to splurge and travel in style every once in a while. Black car and limousines services usually involve pre-arranged transportation in a luxury vehicle with a specific pick-up and drop-off location and time. If you offer a black car or limousine transport service, you’ll want to consider coverage to help cover your business.</p>
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<h4 class="font_4" style="text-align: center">Coverage for non-emergency medical transportation.</h4>
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<p class="font_8" style="text-align: center">Select insurance carriers will offer livery insurance coverage for non-emergency medical transportation (NEMT). These companies offer pre-arranged transport to medical treatment appointments for those who have difficulty traveling to them. For instance, a medical shuttle service that picks riders up from a senior home and takes them to their doctor’s appointments would want to consider livery coverage.</p>
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<h4 class="font_4" style="text-align: center">Livery insurance and rideshares.</h4>
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<p class="font_8" style="text-align: center">The popularity of rideshare services like Uber and Lyft has risen exponentially over the past few years thanks to their convenience and the availability of drivers. However, your basic auto insurance most likely won’t cover the use of your vehicle for rideshare purposes. This coverage helps protect your vehicle for commercial uses and may extend the limits of your liability coverage. The specifics of your policy may vary depending on your needs as a rideshare driver.</p>
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<h4 class="font_4" style="text-align: center">The nitty-gritty of insurance for livery services.</h4>
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<p class="font_8" style="text-align: center">Livery insurance requirements vary by the location of your business, sometimes down to the city you operate in. This may also help determine the cost of your coverage. Insurers calculate your premiums using factors like the city and region in which you operate, your previous driving record, vehicle use, and coverage needs. You’ll want to consider a policy that meets local or regional requirements and offers you the protection your business needs.</p>
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<p class="font_8" style="text-align: center">Are you ready to learn more about livery insurance? Contact us to discuss your insurance options.</p>

Livery Insurance

Livery insurance helps protect you while on the open road full of risks at every turn.

<h4 class="font_4" style="text-align: center">What factors determine the cost of coverage?</h4>
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<p class="font_8" style="text-align: center">There are several factors that may be used to determine the price of your livestock mortality insurance policy. For example, if you are insuring a single cow versus an entire herd of cattle, the price of the policy may vary based on sheer numbers. In addition, the type of animal you are covering may impact the cost, particularly in terms of how difficult it would be to replace that animal. Things like health conditions and age may also play a role. Regardless, a policy payout could mean the difference between holding steady or financial loss based on replacement cost and decreased revenue.</p>
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<h4 class="font_4" style="text-align: center">Real-world examples of risks and coverage solutions.</h4>
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<p class="font_8" style="text-align: center">All businesses face risks unique to their particular industry, which is why it’s important to secure coverage that protects the needs of your specific business. For example, if you run a dairy cow farm and lose a cow in its prime, would you be able to afford a replacement without coverage? If you operate a zoo and one of your lions—the main attraction—dies due to non-natural causes, how would your zoo recover? If you run a business training service dogs, how would you deal with losing a service dog after countless hours of training? All of these types of risks need to be considered when selecting a livestock mortality insurance policy, and they are prime examples of why any business with animals and livestock as its main revenue source needs to consider this extra layer of protection.</p>
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<h4 class="font_4" style="text-align: center">Livestock operations that benefit from this coverage.</h4>
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<p class="font_8" style="text-align: center">Many businesses rely on animals and may benefit from having a livestock mortality insurance policy in place. For example, cows, pigs, sheep, chickens, and goats would be commonly covered by traditional farming operations. Zoos would require unique coverage for the exotic and rare animals they feature. Breeders would need specialty coverage to protect their animals, such as purebreds and seed stock cattle. Whatever your operations are, having this policy in place is an important way to help safeguard your investment and revenue.</p>
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<p class="font_8" style="text-align: center">Are you looking to get coverage for your animals or livestock? Contact us to get more details on livestock mortality insurance.</p>

Livestock Mortality Insurance

Livestock mortality insurance helps you prepare for the worst.

<h4 class="font_4" style="text-align: center">Protection against the byproducts of your work.</h4>
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<p class="font_8" style="text-align: center">Machine shops can potentially create environmental hazards. For example, solvents, chemicals, and paints can contaminate the air, water, and ground in and around the property. In addition, damage can spread beyond the property, creating a third-party claim. Having an environmental insurance policy may help to cover the costs of court and attorney fees, damages awarded, and clean-up costs for environmental-related incidents.</p>
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<h4 class="font_4" style="text-align: center">Planning for times your business is inoperable.</h4>
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<p class="font_8" style="text-align: center">If your business closes due to a fire, for example, you can’t make your products and you can’t generate revenue. Business interruption insurance may provide funds for operational costs and even a temporary location. Riders are available to help cover situations where a break in the supply chain means you don’t have access to materials you need to operate.</p>
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<h4 class="font_4" style="text-align: center">Don’t neglect the business side of your organization.</h4>
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<p class="font_8" style="text-align: center">Cyber liability insurance can protect your business in the event of a cyber-attack or data breach. If vehicles are owned by your company, business auto insurance is a must. Consider hired and non-owned auto insurance if employees use their own cars for business purposes. Employment practice liability insurance (EPLI) offers protection against allegations of discrimination and harassment.</p>
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<p class="font_8" style="text-align: center">Are you interested in machine shop insurance for your business? Contact us for more information.</p>

Machine Shop Insurance

Machine shop insurance helps keep your business running.

<h4 class="font_4" style="text-align: center">Provide coverage for your workers.</h4>
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<p class="font_8" style="text-align: center">Marine contracting can be a dangerous job. A lot of heavy equipment and big machinery mixed with the unsteadiness of a boat on the water can lead to injuries on the job. Workers’ compensation insurance should be an important part of your marine contractor insurance plan. In the event one of your employees gets injured while working, this insurance may potentially cover medical bills and lost pay, and your business could be shielded from potentially expensive lawsuits. With workers’ compensation insurance in place, your injured workers are also more likely to return to work after recovering from an injury, which means you can retain your skilled marine contractors.</p>
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<h4 class="font_4" style="text-align: center">Be aware of your environmental impact.</h4>
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<p class="font_8" style="text-align: center">When working on the water, you need to be aware of the impact your marine contracting operations could have on the environment. A spill of fuel or other chemicals used in your operations could cause catastrophic damage to both the plants and animals in the area and potentially to people who rely on the water. You could be held liable for those damages and face expensive lawsuits as a result. Environmental insurance as part of your marine contractor insurance plan may help protect your business in the event you accidentally cause pollution, contamination, or other environmental damage. With the environment being an important topic for many people, it may also help with your company’s public relations, illustrating your concern for maintaining and protecting the environment.</p>
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<h4 class="font_4" style="text-align: center">The basics for a marine contractor.</h4>
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<p class="font_8" style="text-align: center">Marine contractors, in some ways, are like many other contracting businesses. That means there are some basic business coverages you should consider as part of your marine contractor insurance policy. Business interruption insurance protects you in case you are unable to continue your contracting work due to certain circumstances. It may help cover losses in profits to keep your business afloat. While you’re out on your vessel building things, hackers could be getting into your computer systems. Cyber liability insurance may help protect your business in the event of a data breach or hack.</p>
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<p class="font_8" style="text-align: center">If you are interested in marine contractor insurance, contact us and we’ll go over your coverage options.</p>

Marine Contractor Insurance

Marine contractor insurance helps keep your business afloat.

<h4 class="font_4" style="text-align: center">The structure you’re building needs coverage too.</h4>
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<p class="font_8" style="text-align: center">Builders risk insurance provides coverage for whatever you’re building during construction. Similarly, you may also see this called a course of construction policy. Inland marine insurance policies may include builders risk coverage, or it may also be purchased as a standalone policy. Regardless, covering your work in progress with insurance may help protect you from substantial risk.</p>
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<h4 class="font_4" style="text-align: center">Essential coverage for masonry tools and equipment.</h4>
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<p class="font_8" style="text-align: center">Without your tools and equipment, you can’t work. Things like mortar mixers, chisels, saws, brick hammers, and other tools could get lost, damaged, or stolen. Paying out of pocket for repair or replacement can be financially draining. Specialized contractor’s tools and equipment coverage offers necessary protection to help keep your jobs on track.</p>
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<h4 class="font_4" style="text-align: center">Help cover the risks associated with your business.</h4>
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<p class="font_8" style="text-align: center">When all is said and done, you’re still running a business. There are some insurance coverages that can benefit businesses in almost any industry, including masonry. For example, cybercriminals often target small to mid-size companies, so cyber liability insurance may provide valuable protection. If an employee files a suit alleging discriminatory hiring or firing processes, employment practice liability insurance (EPLI) may help pay for the cost of defense and damages awarded.</p>
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<p class="font_8" style="text-align: center">Ready to discuss the unique insurance needs of your masonry contractor business? Contact us to learn more about masonry contractor insurance.</p>

Masonry Contractor Insurance

Masonry contractor insurance tailored to your masonry business.

<h4 class="font_4" style="text-align: center">Cover your work even after the job is complete.</h4>
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<p class="font_8" style="text-align: center">Completed operations insurance offers protection after your work on the project is done. For example, it typically provides coverage for accusations of negligence that result in injury or property damage, as well as breach of contract. Attorney fees, court costs, and awarded damages are generally covered. Completed operation insurance is often included in a general liability policy, but it is always a good idea to double-check.</p>
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<h4 class="font_4" style="text-align: center">How much does insurance cost for mechanical contractors?</h4>
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<p class="font_8" style="text-align: center">The cost of coverage may vary on a number of factors, including the scale of your operations, the number of employees you have, the types of equipment and vehicles you use, the types of projects you work on, where you are located, among others.</p>
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<h4 class="font_4" style="text-align: center">Risks associated with the business side of your operation.</h4>
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<p class="font_8" style="text-align: center">Mechanical contractors, while in a unique industry, are still a business. Therefore, they require some business insurance policies that are necessary across industries. For example, workers’ compensation insurance is required in most locations, but it’s especially important for mechanical contractors, as there is a higher risk that your employees could be injured on the job. Additionally, cyber liability insurance may help pay for costs associated with a cyber hack or data breach.</p>
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<p class="font_8" style="text-align: center">Contact us to learn more about mechanical contractor insurance for your business.</p>

Mechanical Contractor Insurance

Mechanical contractor insurance is as vital as the work you perform.

<h4 class="font_4" style="text-align: center">Cover vital equipment with media and web design insurance.</h4>
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<p class="font_8" style="text-align: center">Your business uses computers, data, and media daily, so what happens if they get damaged? Your business could take a hit. Therefore, in order to protect yourself, consider adding electronic data processing insurance (EDP) to your insurance coverage. This may be sold as a separate policy or a part of your larger commercial property insurance. This coverage may also help protect computers and other hardware, data such as software and other programs, and electronic media. However, carriers vary in how they define and cover these various categories. As a result, you should ask questions about what is and isn’t covered by your policy. For example, check to see if your policy covers losses resulting from a virus or hack. EDP plans may also help your business with the loss of income resulting from computer, data, and media damage.</p>
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<h4 class="font_4" style="text-align: center">How much does media and web design insurance cost?</h4>
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<p class="font_8" style="text-align: center">The cost of your policy may vary based on a number of factors, including how many employees you have, where you are located, the type of services you offer, and the scale of business you conduct.</p>
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<h4 class="font_4" style="text-align: center">Does your media and web design business need insurance?</h4>
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<p class="font_8" style="text-align: center">Web design businesses of all types need insurance, whether you focus on designing blogs, e-commerce websites, business websites, personal websites, or online brochures and catalogs.</p>
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<h4 class="font_4" style="text-align: center">The business side of media and web design insurance.</h4>
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<p class="font_8" style="text-align: center">Just like any other business, there are some general coverages you should consider as part of your media and web design insurance policy. Since you work heavily with computers and the internet, it could leave you vulnerable to cyber-attacks. Cyber liability insurance may help protect your business from losses resulting from a hack or data breach. If you operate your business outside of your home, commercial property insurance can help cover the building and most of its contents should they be damaged by a covered event. You can also obtain business owners insurance. This type of policy offers balanced coverage that combines the benefits of general liability insurance and commercial property insurance into one policy.</p>
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<p class="font_8" style="text-align: center">Are you interested in media and web design insurance? Contact us to discuss your coverage options.</p>

Media & Web Design Insurance

Media and web design insurance covers the risks you face on the internet.

<h4 class="font_4" style="text-align: center">Coverage for the environmental impact.</h4>
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<p class="font_8" style="text-align: center">For the past several decades, the mining industry has been gaining attention and scrutiny for its environmental impact. What happens if your business is responsible for the pollution of a nearby water system? What if your business causes a landslide nearby? Environmental insurance as part of your mining insurance coverage can help protect your business in the event of accidental pollution or other environmental damage. Not only will it help cover the costs associated with the clean-up, but it can also be a good public relations tool to show you want to minimize the environmental impact of your mining operations.</p>
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<h4 class="font_4" style="text-align: center">What if your operation works overseas?</h4>
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<p class="font_8" style="text-align: center">It’s not uncommon for mining operations to work in other countries where certain resources may be more plentiful than others. In that case, you’ll want to invest in international business insurance for your mining insurance policy. This coverage can help fill in the gaps of your general domestic policies—for instance, liability issues with your staff overseas could be covered. However, you can also get international business insurance that’s more tailored to your needs. For example, some policies offer protection from kidnap, ransom, and extortion, as well as more mundane things like unfavorable exchange rate changes.</p>
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<h4 class="font_4" style="text-align: center">General coverages for your mining business.</h4>
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<p class="font_8" style="text-align: center">Just like any other business, there are a few basic coverages that should be considered as part of your mining insurance plan. General liability insurance is important to cover a variety of risks your business could face. For instance, if someone were to wander into your mine and injure themselves, you could be held liable. Just like with your high-tech mining equipment, your mining business most likely uses computers to store data and important company information. Cyber liability insurance can protect your business in the event of a cyber-attack or data breach.</p>
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<p class="font_8" style="text-align: center">Looking for mining insurance to help cover your mining business? Contact us to learn more.</p>

Mining Insurance

Mining insurance helps keep your business forging ahead so you can keep digging.

<h4 class="font_4" style="text-align: center">What property can be covered with this policy?</h4>
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<p class="font_8" style="text-align: center">Property that you own may need to be covered by your policy, including office buildings, fencing, signage, roads, sidewalks, appliances, utilities, and more.</p>
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<h4 class="font_4" style="text-align: center">The business side of ownership.</h4>
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<p class="font_8" style="text-align: center">Depending on the scale of your mobile home park, you might hire employees to manage the grounds, perform maintenance, or run the main office. Business auto insurance may provide protection if an employee is involved in an auto accident while driving a company vehicle or driving their own vehicle while on business. Workers’ compensation insurance may also benefit employees should they suffer from work-related injuries. Employment practice liability insurance (EPLI) should be considered for potential lawsuits regarding your hiring practices, discrimination, or harassment. And like any other business, cyber liability insurance is increasingly important, as a data breach in your systems could expose the personal information of your tenants.</p>
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<p class="font_8" style="text-align: center">Are you ready to help protect your business with mobile home park insurance? Contact us to go over your coverage options.</p>

Mobile Home Park Insurance

Mobile home park insurance helps cover your property investment.

<h4 class="font_4" style="text-align: center">Protect the value of your specialized business equipment.</h4>
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<p class="font_8" style="text-align: center">From manicure and pedicure stations to polish displays and UV sterilizers, your nail salon holds a significant amount of high-value inventory and equipment. If these items are damaged or broken, replacements can be expensive. Your insurance policies should take your equipment needs into account.</p>
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<h4 class="font_4" style="text-align: center">Keep your business afloat when you can’t see clients.</h4>
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<p class="font_8" style="text-align: center">Your nail salon business requires visitors to come in for service, and if your location must close temporarily, you may face financial trouble due to lost revenue. Business interruption insurance may help pay for operating expenses, moving to a temporary location, and possibly other expenses as well.</p>
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<h4 class="font_4" style="text-align: center">Don’t ignore the basics.</h4>
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<p class="font_8" style="text-align: center">While basic business insurance alone isn’t enough, your nail salon insurance policy does still need these coverages. Workers’ compensation insurance offers coverage if your employees get sick or are injured on the job. If you use a computer system for record-keeping and appointments, cyber liability insurance is a must. Employment practice liability insurance (EPLI) may provide protection against claims of discrimination, harassment, or other improper behavior.</p>
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<p class="font_8" style="text-align: center">Ready to explore how nail salon insurance may benefit your business? Contact us to learn more.</p>

Nail Salon Insurance

Nail salon insurance is designed to help safeguard your business.

<h4 class="font_4" style="text-align: center">Protect yourself against lawsuits.</h4>
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<p class="font_8" style="text-align: center">There’s always a risk you could be accused of discrimination, harassment, or other allegations of wrongdoing. For example, tenants and vendors alike could file suit and regardless of merit, you’ll still need to defend yourself against such claims. Defense costs add up quickly and if you’re held liable for damages, your finances could suffer greatly. Therefore, consider employment practice liability insurance to help cover these costs. An EPLI policy can also offer coverage if you are sued by an employee for discrimination, harassment, improper employment practices, or retaliation.</p>
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<h4 class="font_4" style="text-align: center">There are more coverages to consider.</h4>
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<p class="font_8" style="text-align: center">Cyber liability insurance is an important type of coverage that can protect you financially in the event of a data breach. An umbrella policy can provide additional insurance above your standard policy limits, which is beneficial in cases of severe bodily injury or property damage. Depending on where your building is located, you may want to consider earthquake, hurricane, or other natural disaster insurance policies. And regardless of where you are, your building is still at risk for flood, which is typically not included in standard property insurance policies.</p>
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<p class="font_8" style="text-align: center">Do you own off-campus student housing property? Contact us to discuss your insurance options.</p>

Off-Campus Student Housing Insurance

Off-campus student housing insurance protects your investment while housing students.

<h4 class="font_4" style="text-align: center">Additional coverages to consider for your office building.</h4>
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<p class="font_8" style="text-align: center">Not all office buildings are the same. The coverage you need can depend on everything from the location, type of building, and other liability exposures. That’s why it’s important to include additional coverage options to offer the right level of protection. Extras include coverage for signage, water and sewer backup, equipment breakdown, and crime insurance. The need for these can vary, but knowing what the most common types of coverage office buildings have is important.</p>
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<h4 class="font_4" style="text-align: center">The business side of ownership.</h4>
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<p class="font_8" style="text-align: center">Whether you own just one building or multiple, you are still operating a business. And as with any type of business, you’ll need insurance to match. A business owners insurance policy (BOP) offers the basics by combining property and liability coverage. A commercial umbrella insurance policy adds an extra layer of protection should you surpass your payout limits. And with all of the businesses in your office building, cyber liability insurance is essential when it comes to protecting your business from the impact of a data breach.</p>
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<p class="font_8" style="text-align: center">Are you interested in office building insurance to protect your property and investment? Contact us to discuss your coverage options.</p>

Office Building Insurance

Office building insurance helps cover the risks of being a landlord.

<h4 class="font_4" style="text-align: center">Is personal trainer insurance expensive?</h4>
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<p class="font_8" style="text-align: center">Like most insurance policies, the cost is dependent upon many factors including the size of your business, the location where you operate, and how much property you have.</p>
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<h4 class="font_4" style="text-align: center">What is a business owners policy (BOP)?</h4>
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<p class="font_8" style="text-align: center">A business owners policy, or BOP, is often one of the first types of policies to consider. This coverage combines general liability and property insurance. For some small businesses, a BOP may be all you need. However, in some instances, you may find you need other coverages in the form of endorsements or stand-alone policies. An insurance professional can help you understand your risks and options.</p>
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<h4 class="font_4" style="text-align: center">General business insurance needs exist.</h4>
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<p class="font_8" style="text-align: center">Regardless of the industry you work in, there are some insurance coverages you should consider. For example, if you store any kind of client information, a cyber liability insurance policy may provide protection in the event of a hack or data breach. If you have any employees, you may be required to carry workers’ compensation insurance. And if one of those employees should be accused of stealing from a client, crime insurance may benefit you as well.</p>
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<p class="font_8" style="text-align: center">Are you interested in learning more about personal trainer insurance for your business? Contact us to discuss your options.</p>

Personal Trainer Insurance

Personal trainer insurance helps protect your operations at every twist and turn.

<h4 class="font_4" style="text-align: center">Prepare for the unexpected with insurance.</h4>
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<p class="font_8" style="text-align: center">No one wants an accident to happen, but if it does, you’ll need to be prepared. Environmental insurance designed for a plumbing contractor provides protection in case of hazardous spills or leaks, including fuel, oil, or sewage. Cleanup costs add up fast, as do defense costs and damages, should you be faced with a lawsuit.</p>
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<h4 class="font_4" style="text-align: center">Insurance for occurrences that are beyond your control.</h4>
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<p class="font_8" style="text-align: center">Your employees have access to homes and businesses, and temptation may get the better of them. Employee dishonesty insurance protects you from fraud and theft. If your equipment breaks down, it may be expensive to repair or replace. Consider equipment breakdown insurance for these incidents. In addition, because your operation relies on public utilities to be working, business income for off-premises utility services coverage (OPUS) may help recover lost income if you can’t work because the power is out due to a storm, for example.</p>
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<h4 class="font_4" style="text-align: center">Don’t ignore the business side of your operation.</h4>
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<p class="font_8" style="text-align: center">A plumbing contractor business also has a need for coverage that most industries can benefit from. Cyber liability offers protection in case of a computer network hack or data breach. Employment practice liability insurance may help cover the costs of attorneys, court fees, and damages associated with lawsuits alleging discrimination or harassment. Workers’ compensation insurance is mandated in most areas, but given the physical nature of your work, you’ll want to be certain you have adequate coverage in case an employee is injured on the job.</p>
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<p class="font_8" style="text-align: center">Looking for plumbing contractor insurance? Contact us to discuss your needs and options.</p>

Plumbing Contractor Insurance

Plumbing contractor insurance secures leaks in your coverage.

<h4 class="font_4" style="text-align: center">Do you need real estate developer insurance?</h4>
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<p class="font_8" style="text-align: center">As a real estate developer, your business is exposed to liability at every step of the process. From buying the land to building on your property to selling the units, there’s always a moment when something could go wrong. With all of these unique risk factors, it’s important to have coverage in place to keep your developments on track.</p>
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<h4 class="font_4" style="text-align: center">Consider owner-controlled insurance programs (OCIPs).</h4>
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<p class="font_8" style="text-align: center">An owner-controlled insurance program, also known as wrap-up insurance, has the potential to provide increased protection for the owner of the real estate development business. With this program, the owner is responsible for buying the insurance for all those involved in the development, including contractors and subcontractors. The owners purchase general liability, workers’ compensation, and professional liability insurance policies, along with any others needed for the project. An OCIP offers several benefits for protection and cost-saving, such as broader coverage and potential discounts for a high volume of policy purchases.</p>
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<h4 class="font_4" style="text-align: center">The business side of real estate development.</h4>
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<p class="font_8" style="text-align: center">No matter the number of development projects your business is working on, there are some basic coverages you’ll want to consider. Workers’ compensation insurance is a good policy to have. While that may usually be covered by your subcontractors, you can’t trust that the coverage is entirely up to date. Having your own policy may protect you from any gaps in theirs. Another insurance solution real estate developers should have is property manager insurance, which may help protect you after the development is finished, especially if you’re using your property as a rented or leased building with tenants.</p>
<p class="font_8" style="text-align: center">As a real estate developer, you face many unique and challenging risks, which is why you should consider real estate developer insurance for your business. Contact us to find out how coverage may help protect you.</p>

Real Estate Developer Insurance

Real estate developer insurance helps protect you throughout the process.

<h4 class="font_4" style="text-align: center">The business side of being a security guard.</h4>
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<p class="font_8" style="text-align: center">Whether you manage a large security guard company or run a small security operation, you need insurance to match the level of risk involved. However, there are some coverages that apply across industries that should be considered. For instance, a business owners insurance policy (BOP) is a must for any business and combines property and liability coverage. In addition, workers’ compensation is important to help cover the injuries of security guards while on the job. In addition, cyber liability insurance offers coverage for data breaches where client information becomes compromised.</p>
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<p class="font_8" style="text-align: center">Are you looking for security guard insurance? Contact us to discuss your coverage options.</p>

Security Guard Insurance

Security guard insurance helps safeguard you while you protect others.

<h4 class="font_4" style="text-align: center">Are you responsible for insuring your tenant’s belongings?</h4>
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<p class="font_8" style="text-align: center">As a self-storage business, you do not need to insure the belongings stored on your property, but you do need to insure your property. Liability insurance is also helpful in the event that you are sued by a tenant, whether they are in the right or not.</p>
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<h4 class="font_4" style="text-align: center">The business side of self-storage.</h4>
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<p class="font_8" style="text-align: center">While your business might not be like most in the traditional sense, there are still general business coverages that you’ll want to consider. For example, if you take payments online or store sensitive tenant information on your computers, your business could face severe financial consequences if that information is hacked and stolen. Cyber liability insurance would protect your business in those instances. A commercial umbrella insurance policy may offer extra protection and kick in should your coverage limit be reached on your underlying insurance policy when claiming a loss. Also, if you hire employees, you’ll need coverages such as employment practice liability for discrimination lawsuits, workers’ compensation for injuries while on the job, and employee dishonesty liability insurance should an employee steal from one of your tenants.</p>
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<p class="font_8" style="text-align: center">Are you looking for self-storage facility insurance? Contact us to discuss your options.</p>

Self Storage Facility Insurance

Self-storage facility insurance helps secure what’s important.

<h4 class="font_4" style="text-align: center">What risks are common to sports facilities?</h4>
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<p class="font_8" style="text-align: center">While the likelihood of occurrence and severity may differ depending on the type and scale of each sports facility, there are some common risks that they all share and directly relate to the industry. For example, because there are visitors and athletes on your property, if they get injured and claim it to be related to your sports facility specifically, you could be held liable. Another example includes sexual abuse charges related to your employees at your facility, which would need to be defended. In addition, the equipment your sports facility relies on could become damaged or faulty, which could lead to rescheduling or canceling sporting events and impacting your bottom line.</p>
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<h4 class="font_4" style="text-align: center">The business side of managing a sports facility.</h4>
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<p class="font_8" style="text-align: center">While it might be all fun and games, running a sports facility is still a business and it needs to have the insurance coverage to fit the operations. A business owners insurance policy (BOP) combines commercial property and general liability insurance coverage. Equipment breakdown insurance should be considered if you rely on specialized sports equipment as part of your facility. Liquor liability is essential if you serve alcohol on the premises such as during sporting events. Workers’ compensation coverage is needed to help cover employees who become injured while on the job.</p>
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<p class="font_8" style="text-align: center">No matter what type of sports facility you run, sports facility insurance is important to consider. Contact us to go over your specific needs and learn more about your options.</p>

Sports Facility Insurance

Sports facility insurance helps secure your business and venue.

<h4 class="font_4" style="text-align: center">Insurance solutions staffing agencies should consider.</h4>
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<p class="font_8" style="text-align: center">One of the most important policies that a staffing agency needs are errors and omissions liability insurance, or E&O. This may offer coverage in cases where you place a temporary employee who does not have the right skills, you don’t meet industry regulations, or you fail to uphold a contract with a company you work with. Also, because your office likely has high foot traffic while you interview candidates for placement, general liability insurance is essential in the event someone is injured on your property. And finally, crime insurance is helpful to have in the event that a temporary employee you placed is caught stealing from the company they are working for.</p>
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<h4 class="font_4" style="text-align: center">Do temporary employees need workers’ compensation?</h4>
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<p class="font_8" style="text-align: center">It’s important to have workers’ compensation insurance for the employees at your staffing agency, as well as the temporary workers you help place at other businesses, which may vary depending on the industry they are working in.</p>
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<h4 class="font_4" style="text-align: center">The business side of operating a staffing agency.</h4>
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<p class="font_8" style="text-align: center">While staffing agencies are in a unique niche with specific needs, there are general business insurance policies that may be necessary depending on your operations and where you operate. Commercial property insurance may cover your office building, as well as equipment and supplies. Also, cyber liability insurance is essential if you store employee or company information on your computer systems and they are hacked.</p>
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<p class="font_8" style="text-align: center">Are you interested in staffing agency insurance? Contact us to discuss your coverage options.</p>

Staffing Agency Insurance

Staffing agency insurance helps cover your business and employees.

<h4 class="font_4" style="text-align: center">Insurance differs depending on what you transport.</h4>
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<p class="font_8" style="text-align: center">What you transport matters and the type of transportation insurance you need should respond to that risk. For example, trucks carrying high-value items are at higher risk for cargo theft. If you’re transporting people in a chartered bus, limousine, or school bus, your liability insurance should cover you in the event of an accident or personal injury. If you’re transporting pets or livestock, you’ll want your policy to reflect that as well. Here are some examples of businesses that may benefit from a transportation insurance policy:</p>
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<li style="text-align: center"><p class="font_8" style="text-align: center">Air Transportation</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Limousine Service</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Livestock Transportation</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Marine Shipping</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Medical Transportation</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Moving Company</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Taxi Service</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Trucking Business</p></li>
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<h4 class="font_4" style="text-align: center">Coverage for managing transportation logistics.</h4>
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<p class="font_8" style="text-align: center">There’s a lot of planning involved when it comes to transporting goods from one place to another. Transportation logistics provides coverage for times when things don’t go as planned. Maybe a shipment is delayed, a connection is missed, or something else happens. You can be held responsible for damages this causes others. Additionally, if part of your business involves warehousing vehicles or goods that belong to someone else, you’ll likely need specific coverage for that.</p>
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<h4 class="font_4" style="text-align: center">Covering the business end of your transportation business.</h4>
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<p class="font_8" style="text-align: center">There are some insurance coverages that are recommended for most businesses. For example, if you have a computer network that holds customer information, cyber liability insurance is important. Employment practice liability insurance (EPLI) may provide protection if you’re accused of discrimination or harassment. Commercial property and general liability insurance are essential to help protect your building and property, as well as offering coverage in the event that someone is injured on your property.</p>
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<p class="font_8" style="text-align: center">Are you interested in transportation insurance for your business? Contact us to discuss your options.</p>

Transportation Insurance

Transportation insurance helps protect you from point A to point B.

<h4 class="font_4" style="text-align: center">Additional coverages options are available.</h4>
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<p class="font_8" style="text-align: center">You’ll also usually have the option to add additional types of coverage such as protection against a data breach, human resources and employee claims, loss of power or communication at your facility, or damage to equipment that you have leased. This includes coverages such as cyber liability, employment practice liability, business interruption, and systems breakdown insurance. The needs of your particular business may vary, but these general business insurance solutions may benefit you.</p>
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<p class="font_8" style="text-align: center">Are you interested in wholesaler and distributor insurance to help safeguard your stock and your business? Contact us to go over your coverage options and the needs of your business.</p>

Wholesaler & Distributor Insurance

Wholesaler and distributor insurance helps cover your stock and business.

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