Other Solutions
General Liability
If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
There is a broad range of General Liability protection, including:
- Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
- Property Damage coverage for the physical damage to property of others or the loss of use of that property
- Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided
- Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
- Contractual Liability extends to any liability you may assume by entering into a variety of contracts
- Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types
Property
You never know when a hazardous event like a fire, severe storm, robbery or accident lawsuit will threaten your business, and you don’t want to face the prospect of having to pay for your recovery costs. Your small business insurance benefits can minimize these losses and get you back on your feet and operational in no time.
Among the benefits you’re likely to need for your small business are:
- Commercial property insurance: If something damages physical property—such as your building or possessions—then this coverage can help you repair or replace them.
- General liability insurance: This covers your business in the event it causes property damage or bodily injuries to another party, like a client or vendor.
- Business interruption insurance: This helps you pay bills if you must temporarily close after a damaging accident.
- Commercial auto insurance: If your small business owns vehicles, this coverage supplies the requisite physical damage, liability and other benefits to help you afford the costs of wrecks or other vehicle hazards.
- Workers’ compensation insurance: If an employee gets hurt on the job, they’re often eligible for workers' compensation. This supplies supplementary income during their recovery.
- Errors & omissions insurance: Professional advice or mistakes can cause your clients a financial loss. This coverage compensates them on behalf of your business.
- Surety bonds: If you’re contractually bound to certain clients, then bonds will guarantee them that you will repay them if you cannot meet your obligations.
Auto
Commercial Auto insurance provides coverages such as liability, collision, comprehensive, medical payments and uninsured motorist coverage. Any vehicle on the road must be insured, and any incidents that occur while a vehicle is being used for business purposes may not be covered by a personal auto policy. That's why it is so important to make sure you have Commercial Auto insurance for any vehicles owned by the business.
Trucking
We represent many Insurance companies catering specifically to Trucking and Transporting of goods. We also have access to several direct markets and because we work directly with these Companies, we can tailor your policy in fine detail to give you an even more custom fit.
We can offer your business many types of Coverage including:
- Trucking Auto Liability
- Non-Trucking Liability
- Motor Truck Cargo
- Physical Damage
- Trailer Interchange
- Workers Compensation
- Commercial General Liability
- Excess Coverages
- Bonds
Worker’s Comp
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer. Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance.
Special Events Policies
Special Events Policies help protect a specific event in case you unexpectedly need to cancel your event, found responsible for property damage, or an injury caused during your event. This policy allows you go plan your event, knowing that no matter what may come, you won’t be footing the bill for some unplanned catastrophe or issue.
Builder’s Risk
Also known as course of construction insurance, is a specialized type of property insurance that helps protect buildings under construction. We can help you navigate the complexities to make sure your next project is covers things like
- Fire
- Lightning
- Explosions
- Theft
- Vandalism
- Hurricanes
- And more!
Mexico Insurance
Driving across the border without the proper coverage could leave you in a precarious spot. We are here to help you find the right coverage whether its for a short trip or needs that require long term insurance outside of the U.S.
Surety Bonds
If you are a contractor (of any industry), you’ll promise clients that you’ll finish their work according to their stipulations. Contracts are not stipulations to take lightly. They are legally-binding. Yet, you can’t eliminate the possibility that a project will go awry. Many businesses turn to Surety Bonds to help in case of project defaults. Surety bonds fall under the umbrella of consumer protection. They function like an insurance policy. If you make a contract with a client, a surety bond functions as a guarantee that you will do the work accordingly.
Surety bonds involve three parties:
- The Principal: The person, company or entity carrying the bond. If you are the contractor, you'll have a bond in your name,
- The Obligee: This is the individual who benefits from a bond. It’s usually the party who you work with under a contract. They will be the one to make a claim on a bond if necessary.
- The Surety: The company that issues and maintains the bond. The principal pays the surety a premium to maintain the bond. In some cases, the bonding company will pay a settlement to the obligee initially. The principal must still compensate the bond company, however.