You never know when disaster can strike and cause property damage. What will your current property insurance cover? How much do you pay in premium for that coverage? We can review your business model to find a customized property insurance policy that will fit your budget as well as your specific needs. We believe you should only pay for what you need and save on the difference.
Business owners have a lot of responsibilities. Besides running the business, you have a duty of care to your customers, employees and the public at large. Sometimes a small liability claim, regardless of the outcome, can put severe financial stress on your company. That's why it's more important than ever to make sure you’re protected with a proper liability insurance policy.
If your business includes a fleet of vehicles or drivers of any kind, you need to protect them with a comprehensive commercial auto policy. A commercial auto policy can cover auto accidents, lost business revenue due to an accident, bodily injury, third party claims, and more. Make sure you have coverage for anything that could go wrong on the road while keeping your business running smoothly.
Unfortunately, crime is a reality in today’s world and comes in many forms. Extortion, employee dishonesty, forgery, counterfeiting, computer fraud and more can all be serious problems for today’s businesses. Crime insurance covers your business for losses that are not typically covered under a regular policy so you can continue running your operations without worrying about crime.
Each state has its own workers’ compensation laws regarding insurance and what coverage you will need. Knowing your state’s laws and applying them to your business’s policy is one of our specialties. We can give you peace of mind in the knowledge that your business will have the best coverage available for your employees and be in full compliance with your state’s regulations.
Property policies are a great way to insure the area in and around your business's physical location. In cases when your property is in transit however, you may be at risk of loss. From goods, inventory and equipment to building plans and computer data, inland marine coverage protects your assets without regard to the location of the covered property; these are sometimes called "floater" policies.
With the enormous costs associated with litigation, your general liability coverage may not be enough to protect your business. To best secure your assets from catastrophic loss, additional umbrella liability insurance is highly recommended. The umbrella policy provides excess limits when the limits of underlying liability policies are exhausted and picks up where the underlying policy leaves off.
Among other liabilities, casualty insurance helps keep your business protected by covering for losses sustained to third parties. As part of your policy, this coverage extends to cover your entire premises, so your business can operate safely and securely even when there is a negligent act or omission by the organization that causes bodily injury or property loss to the public at large.
Beyond your business, we offer a full range of personal insurance coverage to protect you against personal risks and help maintain your peace of mind. These policies can include coverage for items such as your home, vehicles or a personal umbrella policy. You can focus on your running your business while our full service insurance brokerage handles all of your insurance needs in one place.
condominium association coverage
Condo associations need to protect the common property owned collectively by all unit owners, including the building and business personal property. Condominium association insurance provides property coverage based on the association bylaws and ownership of the property. It is similar to commercial property and liability policies but the language is specifically tailored to condominium associations.
commercial CONDOMINIUM unit-Owners
Commercial condo unit owners own the interior portion of the building their unit is in but not the building itself. Condominium Commercial Unit-Owners Coverage provides property coverage for this unique interest. Covered property includes fixtures added and improvements made and owned by the unit owner. Make sure your business's property is protected in the case of loss or damage to the building.
DIRECTORS AND OFFICERS LIABILITY
To encourage candid decision making by upper management it is vital to safeguard them from personal liability for corporate acts. D&O liability insurance can be written to cover the directors and officers for privately held firms and not-for-profits. It functions as "management errors and omissions liability insurance," for claims resulting from managerial decisions that have adverse financial consequences.
EMPLOYMENT RELATED PRACTICES LIABILITY
Lawsuits brought by employees can not only have huge financial implications but they can threaten the reputation and social standing your business has worked hard to build and maintain. It's important to consider having proper coverage for employee related claims such as: sexual harassment, age discrimination, negligence and omissions. Protect your business as well as your employees.
Protecting your data is more vital than ever in today's interconnected world. Cyber and privacy policies cover a business' liability for a data breach in which the firm's customers' personal information, such as Social Security or credit card numbers, is exposed or stolen by a hacker or other criminal who has gained access to the firm's electronic network. The policies cover a variety of expenses associated with data breaches.
As government regulation and consumer awareness of pollutants continues to grow, environmental liabilities also increase. This can leave businesses open to costly and complex litigation. Whether during construction or operation, environmental liability helps you correctly dispose of substances adversely affecting the environment while aiming to prevent mistakes before they happen.
In today's world, litigation at some point almost seems inevitable. Whether or not you are actually at fault, many types of claims regarding your work product are not covered under your standard liability policy. It's imperative to take the necessary steps to prepare for such an event -- because, even if you've done nothing wrong, defending yourself costs precious time and money.