Business Insurance

Commercial General Liability

Commercial General liability is a broad policy that covers general liability exposures of a business. Accidents do happen and you need some form of general liability insurance to safeguard your livelihood. I recommend that all businesses have general liability coverage in place.

Additional Commercial Liability Insurance Coverages

Professional Liability Insurance (Errors & Omissions)

Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, architects, engineers and technology companies. I recommend that all professional and technology companies have E&O coverage.

Employment Practices Liability Insurance (EPLI)

Employment Practices Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. If you have employees, I recommend considering this type of coverage.

Directors and Officers Insurance (D&O)

D&O insurance covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company.

General liability insurance is also available in a Business Owners Policy (BOP). To find out more about these coverages, as well as other products and services, give me a call.

Commercial Property

Commercial property insurance is one of the most common types of business insurance. It provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, windstorm and other natural or man-made disasters are examples of what is typically covered.
As an independent agent, I can help you determine the type of insurance policy and range of coverage that is best suited for your business.

Protect what you’ve worked hard for:

• Your building
• Your outdoor sign
• Your furniture and equipment
• Your inventory
• Your fence and landscaping
• Others’ property

There are additional coverages, which include:

• Builders risk
• Building ordinance and law
• Business income
• Equipment breakdown

Business Owner's Policy (BOP)

As a business owner, you strive to make decisions that are right for your business, your employees and yourself. This includes decisions about business insurance. You know you need excellent coverage, you don’t, however, have time to become an expert in business insurance. This is where I can help.
A Business Owners Policy (BOP) assembles all the basic coverages required by a business owner into one insurance package for small to medium-sized businesses.
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A typical business owner’s policy (BOP) includes:

• Property insurance
• Business interruption insurance (usually for up to a year of lost revenue resulting from an insured property loss)
• Crime insurance
• Liability insurance

In addition to advising you on the right coverage, we provide additional services such as:

• Competitive Rates – many of the insurance carriers we represent specialize in insuring specific types of businesses or industries, offering special coverage and pricing.
• Quick Claim Response – when you do have a claim and need fast and fair service, we work with you to make that happen. That’s why we only represent companies with excellent records for settling claims fairly and promptly.
• Loss Prevention Programs – with our insurance company partners, we can evaluate your business’ current conditions and recommend ways to lower property, auto, workers compensation or liability losses. Lower losses will not only lower your insurance costs, but also increase your productivity by avoiding downtime.

Note: Not all businesses qualify for a BOP.

Commercial Auto

Whether you use a fleet of vans, delivery trucks, a car, or multiple cars in your business, the right commercial auto insurance means one less worry. If your employees use company cars for both personal and business use, it would be a good idea to look into purchasing a commercial auto insurance policy for your business. I will work with you to create a customized policy catered to your company’s needs.

Hired/Non-owned Commercial Auto Liability

• Does your company rent or use leased vehicles?
• Do you have employees using their own vehicle on company business?

​This is a coverage that can be added to the commercial auto insurance policy.

You may be eligible for discounts:

• Commercial Driver’s License (CDL) Discount
• Business Experience Discount
• Prior Insurance Discount
• Multi-Policy Discount
• Package Discount
• Paid In Full Discount

Commercial Umbrella

If umbrella policies are good for individuals, then they are imperative for business. Business is risky, and every company faces the possibility of an unexpected lawsuit. The rising costs of lawsuits and judgments are important for today’s business owner to consider.

A commercial umbrella policy picks up where your business auto liability, general liability, or other liability coverage has hit its limit. Umbrella insurance is an inexpensive way to provide extra coverage against bodily injury and/or property damage.

Consider these scenarios:

• A customer gets injured at your business and you’re found liable
• Your company holiday party gets out of hand and many injuries and damages occur
• One of your employees drives your company vehicle and causes a severe accident resulting in injuries to others
• A fire originates from your operation and burns down neighboring businesses

Umbrella insurance helps. If you are sued for $1.7 million, but only have $1 million business auto liability insurance, your umbrella policy will kick in and pay the additional $700,000. It is your best defense against an unusually high loss when the limits of an underlying policy have been reached.

Non-Profits

Insurance That Understands Non-Profits

We understand the unique risks nonprofit organizations face. Our nonprofit specialty carriers provide targeted coverages to meet the needs of the nonprofit community.

We deliver an unbeatable combination of sound coverage, stable pricing and exceptional service. It pays to work with people who fully understand nonprofits.

Coverage and Services

• Property and Liability
• Auto
• Umbrella
• Workers’ Compensation
• D&O
• Unemployment Insurance
• Financial Consulting

Product Specialty

• Primary Liability Insurance – Standard limits are $1 million per occurrence for General Liability; $1 million per occurrence for Sex Abuse; $1 million per occurrence for Social Work; $1 million per occurrence for Medical; $3 million policy aggregate
• Umbrella Policy – Limits up to $10 million above Primary Liability*
• Sexual Abuse Liability
• Social Work Foster Care & Counseling Liability
• Incidental and Vicarious Medical Liability
• Special Event Liability – Standard limit is $1 million with higher limits available
• Directors & Officers Liability – Standard limit is $1 million with higher limits available

*Defense outside the limit of liability