A vehicle collision is never good news, but when it’s one of your business’ cars or trucks, the consequences are more complicated. Business auto insurance, also called commercial auto insurance, takes all the elements of normal auto coverage and adds on extra protection.
Motorcycle Insurance
The absolute minimum coverage you’ll need when it comes to motorcycle insurance is liability insurance, which covers costs you have to pay to other people after an accident that’s your fault–including their medical bills and repairing or replacing their vehicle. Your state’s laws will set a minimum amount of coverage for liability insurance, but you may want the peace of mind of getting a higher coverage limit.
Boat Insurance
Getting out on the water should be carefree, but owning and running a boat brings several financial risks. Watercraft insurance means you can stop worrying about those risks and get back to relaxing on your boat.
Truck Insurance
A specialty off-road vehicle insurance policy will usually be custom-made for your off-road vehicle and the way you use it. As with ordinary car or truck insurance, you can choose from several components.
Your off-road vehicle needs protection that’s different from what your auto or homeowners insurance can provide. We’ll help keep you and your off-road vehicle safe and secure while you explore.
Some employees may want coverage that goes beyond life insurance or workers’ compensation. They want to be covered in the event of an accident, on or off the job. We can provide that added financial protection.
Health Insurance
No one wants to think about getting cancer, having a heart attack, or suffering a stroke. Illnesses like these can be devastating for your employees and their families in many ways, not the least of which is financially. Even with health insurance, situations like these can leave someone owing tens of thousands of dollars in medical bills. Critical illness insurance can help.
Disability Insurance
Disability insurance protects your employees from a temporary loss of income and is a fundamental part of a quality employee benefits package. We’ll implement a plan structured just for you.
Long Term Care
Offering long-term care insurance as an employee benefit can be an integral part of your strategy to recruit and retain the best talent, contain costs, and enhance employee productivity. We’ll guide you through the process.
We specialize in a wide variety of insurance solutions to meet your needs. Whether you’re looking for personal insurance, business insurance, employee benefits, or wealth advisors, we provide quality service and advice you can count on. Contact us today to get started.
Commercial Property Insurance
Commercial property insurance protects your assets in the event that they are stolen, damaged, or destroyed in a fire or natural disaster. We’ll partner with you to design insurance coverage that will protect your company’s property.
Workers Compensation Insurance
Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.
Commercial Liability Insurance
You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.
Professional Liability Insurance
Aside from property liability coverage, there’s an important difference to note between general liability (such as a customer slipping on a spilled drink) and professional liability (such as a bout of food poisoning from bad food or inadequate preparation). General liability primarily covers patrons who are injured on your property, as well as property damage, and can protect you from potential lawsuits. Professional liability, on the other hand, protects your restaurant if someone gets sick from spoiled food products.
Builders Risk Insurance
Builders risk and installation insurance provides coverage for homes or buildings while undergoing construction, until they are completed. The policy covers the contractors’ interest in materials at the job site before they are installed, construction materials in transit designated for the contractors' equipment insurance–a policy specially and the value of the property being constructed until it is completed.
Restaurant Insurance
Restaurants carry a very unique set of risks. We can customize a menu of insurance solutions to meet your specific needs. Reviewing the options and developing a plan for restaurant insurance coverage is the perfect recipe.
General liability insurance mainly covers bodily injury to people outside of your business and physical damage to their property. A few exceptions to this principle include data loss and reputation damage (for example, if one of your business’ staff members defames a client). It’s important to note that general liability coverage doesn’t apply to cases where you are sued for giving inadequate professional advice. Errors & omissions insurance (E&O) can help to protect your business from that specific type of risk.
Travel Insurance
Various types of travel insurance are available that may offer protection in case of lost baggage, trip cancellation or delays, or trip interruption. You may also want to consider policies that cover accidental death and dismemberment, as well as the repatriation of remains.
Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.