Insurance companies are constantly adding eligibility criteria, coverage options, discounts and credits. Our agency gets the whole story from the client to determine which company best suits their individual needs when considering Business Insurance.
Businessowners Policy / Package Insurance
If you own a business, large or small, we have a market for your business insurance needs. As an independent agent, we represent several fine companies.
Each business has unique commercial insurance requirements. Our staff will determine what types of coverage are appropriate for your risk and type of business. There are literally hundreds of coverage options available. Let us tailor your business insurance to protect your assets.
Workers Compensation Insurance
Workers Compensation insurance covers you and your employees if you are hurt at work. Whether you have 1 employee or 1,000, we can write a policy for you. Rates are based on gross payroll and would be audited at the end of the policy period. Rates are generally set by the state by your class of business. We have a few companies that will deviate from these rates to offer you a less expensive alternative.
Contractors Equipment Floater
If you are a contractor with large equipment such as bulldozers, excavators, or bobcats, or a small contractor with a trailer full of tools, a Contractors Equipment Floater will cover your equipment.
Commercial Auto Insurance
A commercial auto policy will cover all of your business vehicles. From private passenger vehicles, delivery vehicles or large trucks, this policy will be specifically designed to suit your needs. Coverage options include Non-Owned & Hired Auto and Drive Other Vehicle endorsements are available.
Commercial Umbrella Liability
No business should be without a commercial umbrella liability policy covering your primary policies. A commercial umbrella can be purchased from 1 million to multi-millions to protect your business’s assets. The umbrella can cover over your General Liability, Workers Compensation, and Commercial Auto policies. One large lawsuit could put you out of business. Do not skimp on your liability insurance. Learn more.
Boiler & Machinery / Equipment Breakdown
This form of insurance provides important mechanical breakdown coverage generally not available under any other insurance policy. A boiler and machinery policy can protect an insured against the effects of catastrophic property loss, such as steam boiler explosion or an expensive breakdown of machinery and equipment.
It is not just the physical damage caused by the explosion or breakdown that is of concern. While repairs are being made, valuable time and profits are lost. Business interruption coverage protects against this. Often, extra expense coverage is required to keep the business in operation regardless of cost.
Consequential Damage and Refrigeration Interruption insurance protects against spoilage as the result of a breakdown. Many times these business interruptions, extra expense, and spoilage losses can be much more extensive than the damage to the equipment itself.
Equally important is the valuable inspection service that boiler and machinery insurance provides. Not only does this service satisfy most jurisdictional inspection requirements, but it also benefits the insured by providing sound loss control recommendations that can help assure efficient operation and longer equipment life.
Bonds / Surety
A surety bond or surety is a promise by a surety or guarantor to pay one party (the obligee) a certain amount if a second party (the principal) fails to meet some obligation, such as fulfilling the terms of a contract. The surety bond protects the obligee against losses resulting from the principal’s failure to meet the obligation.
We sell many types of bonds, such as:
- License & Permit Bonds
- Contract Bonds
- Bid Bonds
- Business service bonds
Most bonds can be issued immediately from our office.