Commercial Insurance Services

Hired and Non-owned Commercial Vehicle insurance is vital if your employees ever use personal or rented vehicles for company-related business. It ensures that you will be covered if an accident occurs while an employee is on the road for business tasks.

Workers’ compensation insurance covers wage replacement, medical fees, rehabilitation, or death fees in the event that an employee is injured or dies at the workplace.

Property insurance covers your business property in the event of vandalism, theft, and certain weather events or natural disasters. It protects the structure and its contents, including computer equipment and tech.

Inland Marine insurance ensures that your business is covered if equipment or tools are damaged while in transit. Moving equipment can be a risk for many businesses, and this insurance ensures you won’t be at a loss if something is damaged or goes missing.

Umbrella and Excess Liability insurance is a valuable tool for small businesses. It provides broader, more cost-effective coverage over your primary limits. These products fill potential gaps in your policy, so your business is prepared for the unexpected.

Directors and Officers Liability insurance protects heads of corporations who are personally sued for wrongful company management by employees, customers, vendors, or other parties.

Fidelity Insurance covers losses for businesses affected by employee forgery, theft, fraud, or dishonesty. These threats can be extremely detrimental, so it’s important to make sure your business is prepared.

Liquor Liability insurance is for businesses that serve, distribute, or sell alcohol. This insurance covers any legal fees, medical fees, or settlement costs in the event of property damage or bodily injury caused by alcohol consumption.

Pollution Liability insurance covers businesses from unexpected pollution exposures. In the event of injury or property damage due to hazardous waste emissions, this insurance covers third-party claims.

Employment Practices lawsuits are a growing threat to businesses. Common lawsuits include wrongful termination, sexual harassment, discrimination, and retaliation. Employment Practices Liability insurance protects your businesses from attorney fees, court costs, and settlement fees up to policy limits if an employee (or potential employee) takes legal action.

Cybercrime is all too common, and your business may be at risk of losses. Cyberliability insurance provides protection for the potential financial impact of a data breach on your business – a service not covered by many standard insurance policies.

If your business provides professional services or advises clients, you will likely require Professional Liability insurance. It covers legal fees and settlement costs in an event that your business is sued for negligence.