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Business Insurance

Whether you’re a business owner, a risk manager or an executive…have a small or large business…employ 5, 50, even 500 or more people, securing the right insurance coverages and services is essential to your business plan.

Commercial insurance is designed to help protect many of the risks your business can face, including:

• damage or destruction to your business vehicles
• certain liability exposures resulting from operation of your business vehicles
• damage or destruction to your office equipment or inventory
• loss of income if you have to temporarily close because of a covered loss
• certain business related liability exposures such as, wrongful entry or search, libel, slander and even certain offenses arising out of your business’s advertising
• risks to your cargo while in transit or storage
• theft or loss of tools and equipment
• crime coverage including robbery, burglary, even employee dishonesty

A Brief Explanation of Your Policy Coverages

We have a wide range of coverages available, as well as an array of choices for limits and deductibles. (See important note below.)

If you’re a small business owner, there’s a good chance that our custom policies can help provide some of the coverages you need. For larger businesses, our packaged policies may be more appropriate. Consider enhancing the basic coverages available – Commercial Automobile Insurance, General Liability Coverage and Business Property Protection – with the following optional coverages:

Cargo Coverage
Helps protect your cargo or inventory while in transit or during storage.

Tool and Equipment Coverage
Helps protect your tools and equipment used in your business while on your vehicle or at the job site.

Business Interruption Coverage
Helps protect against loss of income (for up to 12 consecutive months) resulting from a covered loss.

Crime Insurance
Helps protect against loss from burglary, robbery, even employee dishonesty.

Umbrella Excess Liability Insurance
Provides higher liability limits, over the primary or underlying liability insurance.

Specialty Markets

In addition, we have specialty programs to help meet the insurance needs of:
• Affinity Groups
• Franchisees
• Associations