Commercial Insurance encompasses a range of coverage options to help business owners insure their livelihood by protecting themselves against losses. Here you will find information on different types of policies available to business owners. This will begin to help you become an informed consumer of Commercial Insurance, but don’t hesitate to contact our office for additional information or clarification.

General Liability

General Liability is the most common form of commercial insurance. If your company happens to be sued for negligence or causing injury, a General Liability policy will defend your company plus pay out what is awarded after settlement. Types of coverage that fall under general liability include: Occurrence (amount paid per claim), Aggregate (limit or maximum paid per year), Products and Completed Operations (claims paid after work has been completed), Personal and Advertising Injury (slander and trademark infringement) and Medical Payment (amount paid without proving fault).

Worker’s Compensation

In addition to accommodating hard to place Worker’s Compensation, we represent carriers who specialize in writing Worker’s Compensation policies. We also offer loss control help and inspections for clients. Let us set you up with return to work protection and fraud prevention to help keep your rates down today.
Something to think about:
Did you know Worker’s Compensation insurance is based on payroll? Also, the safer your workplace is, the better your rates are, which is why we have safety programs available.

Commercial Auto

Whether you’re a one-man tow truck operation or a company with a multi vehicle fleet, we’ll make sure you have the coverage you need. New vehicles need full coverage while older vehicles can get away with just liability. If there is any permanent equipment or trailers attached to your trucks or vans, we can help you determine if it should be covered under your auto policy or Commercial Auto Insurance.
Something to think about:
If any of your drivers don’t have a personal auto policy, they must be listed for broaden PIP. They must also drive with other car coverage to make sure they’re protected in case of injury in an auto accident.

Commercial Package

A Commercial Package combines general liability with property coverage. With a commercial package, we can add building, business personal property and equipment all to one policy. Our Commercial Package also includes coverage for business income, so if you are ever shut down because of a loss we will replace loss revenue and help you retain clients by getting you up and running again in a temporary location.
Something to think about:
For contractors, we can insure tools or industry specific equipment. For manufacturers, we offer special products coverage to help protect against lawsuits or injuries caused by product defects.

Specialty Lines

We all know owning your own company involves a certain level of risk. If you own a company where the risks are even higher, you’ll need to make sure you’re adequately protected. DVA, we can write hard to place risks like:

• Bounce House Companies
• Daycares
• Tree Trimmers
• Alarm Companies
• YMCAs
• School Districts
• Dog Groomers
• Zoos
• Beauty Salons
• Non-Profits
• Bonds