Business Insurance

Protecting the property that is important to you.

Beyond the standard business owners' policy, business owners and property managers need to be certain that they are properly covered for losses that impact the physical assets of the business. I.e. your building and its contents, including owned or leased equipment, and outdoor fixtures, such as fences and signs.

Protecting you and your business assets from risk & liability claims

It’s important to protect your organization from lawsuits that can arise as a result of accidents or negligence.

Under most general liability insurance policies, your business can be protected from lawsuits resulting from:

-Bodily injuries that occur to customers, vendors, or visitors on your premises
-Personal injuries sustained because of the actions or negligence of one of your employees
-Property damage caused by your employees
-Advertising injury (damage from slander or false advertising)

It’s time for a wizer approach to workers’ compensation insurance

Workers' compensation insurance protects employees and employers from liabilities associated with workplace injury and death. Workers’ compensation can provide medical care, disability, rehabilitation, and survivor benefits to those injured or killed in work-related accidents.

Basic coverage for small and mid-sized businesses in one cost-saving package.

A Business Owners’ Policy (BOP) combines some of the most critical business insurance coverages your company needs, such as General Liability Insurance and Commercial Property Insurance, into one convenient and cost-effective policy.

Protecting your business and its operations from unexpected legal action.

Your company can be hit with allegations of misrepresentation, breach of contract or wrongful business practices. Professional liability aka E&O insurance protects businesses against charges of negligence or harm, based on a professional service or advice you provided.

Professional liability insurance covers defense costs, judgment, settlements and fines or penalties resulting from the allegations of misrepresentation, breach of professional services, wrongful business practices, misleading advice, and conflict of interest.

Anything can happen to your business, so be prepared

Business interruption insurance covers net profit, ongoing expenses, and even extraordinary expenses when a business is disrupted by natural disasters, terrorism, employee fatality and even executive kidnapping.

Business interruption insurance is one of those things that you don’t know you need until you need it. The goal is to be covered by a policy that replaces your loss of income or profits until you’re back up and running again.

Protecting your organization against costly litigation

EPLI covers an employers’ defense costs and losses from employment-related claims, including wage and hour disputes and allegations of discrimination, harassment, retaliation, and unlawful termination.

Do you need employment practices liability insurance? The short answer is yes. If you have employees, you have liabilities.

Protecting your business, your employees, and your data from cybersecurity risks.

Cyber insurance, also known as cybersecurity insurance, is a type of business liability insurance that protects your business against cyber security risks and data breaches. Cyber insurance can help restore employee and customer identities, recover compromised data and repair damaged computers and networks, whether your business is the victim of a data breach, social engineering, ransomware, or phishing attack.

A staggering number of small and medium-sized organizations get attacked each year, and many without the support of cyber insurance coverage. What’s more, COVID-19 has upped the stakes, as remote working makes computer systems more vulnerable.

Keeping your vehicles and drivers on the road.

While you do all you can to ensure that your fleet is properly maintained and that your employees arrive at their destinations safely and on time, unexpected weather events or road conditions, not to mention other drivers, can quickly turn routine trips into journeys that change the course of your business.

Making sure you have adequate coverage is paramount in this area as every day, more than eight people are killed and more than 1,000 are injured in crashes involving distracted driving.