Every business has unique and specific needs. You may have employees that drive company vehicles, you may have key employees that help run the company that would be devastating if they were out of the company for one reason or another, or you may offer Health insurance to your employees as a benefit of working at your company. Determining these unique and specific needs can be hard to identify. Working with an insurance agent that can help you customize an insurance plan that meets your company's needs is key.
Let's sit down and determine what your Commercial Insurance needs are.
Lets put together a strategy that will tailor your Commercial Insurance needs to fit you.
Enjoy the benefits of having an Insurance policy that is exactly what you need, in your price range.
Commercial Insurance Policies
Covers vehicles leased to employees to do their job. Any company vehicle or vehicle used for work needs a commercial auto policy since insurance companies won’t pay if there is a wreck and they find out you were working in the vehicle. It is also full coverage with higher minimums.
General Liability Policy
Covers the building, land, things on the property, is like homeowners for a business but naturally a larger policy.
Errors & Ommissions Policy
Protects you if you make a misstatement or error, not for deliberate or intentional acts or fraud, will cover lawsuits from these matters from legal fees to the settlement/judgement.
Covers things like harassment, or for certain industries where required and to get certain contracts.
These policies cover a specific machine that is key to the operation of the business, will pay for the down time, the repair or replacement of the equipment, can even pay for lost earnings. This Policy is not offered in all states. The states it is not then a limited coverage is offered under general Liability and the limited coverage is still offered in states where it is offered.