Insurance for Your Business

Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.

Direct losses may be covered when property is lost, stolen, damaged or destroyed.

Indirect or consequential losses related to direct losses may also be covered.

Property Insurance may cover two types of property losses:

Policies provide coverage for liability arising out of:

• Premises and Operation
• Fire Damage Liability (damage by fire to premises rented to insured)
• Personal and Advertising Injury
• Medical Payments
• Products/Completed Operations

Casualty Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.

You may want to consider a Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy and which can help you save time and money on your total insurance program. And since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.

Business Auto coverage ensures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to ensure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverages and deductibles and about tailoring a Business Auto plan that’s right for you and your business.