Business Owners Insurance
This policy protects your property and liability to your business. Property Coverage would include your building and business personal property. Liability will provide you with coverage for third party law suits and help keep you in business. This policy can also help cover your Loss of Business Income while your business is being repaired after a loss.
Inland Marine Policy
Do you own the building of your business? Or own a building with tenants? This will cover you Dwelling of your property. Many policies have limits on certain type Business Personal Property, work with your agent to confirm if you need an Inland Marine policy to cover you Business Personal Property. For example, on a business owners policy most carriers have a limit on how much Fine Art will be covered.
Do you have employees? If Yes is your answers… you need Workers’ Compensation Insurance. This is mandatory (a few exceptions in some states) and can help keep your business open. If an employee has a work place injury this will pay for employee’s medical cost, lost wages, permanent disability or death benefit.
Do you have automobiles that you use in your business? Our agents can make sure you are covered for liability and physical damage depending on use of the vehicles. There are different coverages if you own, hire or borrow a vehicle. We will make sure to add the correct auto symbols to your policy.