As a business owner or business executive, you may want to consider a Business Owners Insurance Package or a Commercial Insurance Package which combines your Liability insurance, Property insurance and other types of insurance coverage into one comprehensive policy which can help you save time and money on your complete insurance program. And since we live in an age of million-dollar lawsuits, you may also want to add extra liability insurance protection in the form of a Commercial Umbrella Policy. As a Trusted Choice® insurance agency, we can tell you more about these plans and if they make sense for your business needs with our thorough coverage checklist assessment.

Property Insurance covers the risk of property loss in a variety of commercial situations.  Property insurance protection can include coverage for commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies, and other physical items owned by the business.

• Direct losses may be covered when property is lost, stolen, damaged or destroyed.
• Indirect or consequential losses related to direct losses may also be covered.

General Liability Insurance consists primarily of coverage which protects an insured party against injury or damage claims made by other parties.

• Premises and Operation
• Fire Damage Liability (damage by fire to premises rented to insured)
• Personal and Advertising Injury
• Medical Payments
• Products/Completed Operations

Business Auto insurance coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships, or sole proprietorships. Commercial Auto insurance coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. We can give you more details about specific vehicle insurance coverages and deductibles and about tailoring a Business Auto insurance plan that is right for you and your business.

Workers’ Compensation insurance coverage applies to bodily injury and diseases arising out of and in the course of employment. Protection is for accidental bodily injury on the job, and includes coverage for employee death resulting from the accident on the job. Disease coverage is for occupational diseases, which are unique to the occupation.

• Medical benefits
• Income benefits
• Death benefits
• Rehabilitation benefits

As a Trusted Choice® agency, we can provide you with complete details on Workers’ Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.