All Commercial Lines
Business insurance can fill in the gaps to make sure both your personal assets and your business assets are fully protected from unexpected catastrophes. In some instances, you might be legally required to purchase certain types of business insurance.
The federal government requires every business with employees to have workers’ compensation, unemployment, and disability insurance. Some states also require additional insurance. Laws requiring insurance vary by state, so visit your state’s website to find out the requirements for your business.
Commercial Auto
A commercial auto insurance policy is required under most circumstances when the vehicle is used for business purposes and meets certain other requirements. It is not just the registration that determines the requirement for a business automobile insurance policy. Other requirements are ownership by a corporation, use in hauling goods for hire and gross vehicle weight of the vehicle. Some small trucks can be owned and insured under a personal automobile insurance policy under specific circumstances.
Our team can offer a free comparative quotes on all your commercial auto needs from multiple insurance carriers so you can get the best possible rate.
Workers Compensation
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. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job. In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.
Our team can offer a free comparative quotes on your General Liability need from multiple insurance carriers so you can get the best possible rate.
Commercial Property Insurance
Commercial property insurance is a special type of insurance that covers the company building as well as the contents owned by the company. “Property” can include a variety of types: lost income or business interruption, buildings, computers, money, and valuable papers. Under the liability policy coverage, the building should be protected from damaging events such as fire, burglary and vandalism. It may not be enough to cover just the building; the aftermath of such damage should be covered as well.
Our team can offer a free comparative quotes on all your commercial auto needs from multiple insurance carriers so you can get the best possible rate.
Wrap Up Insurance
Sometimes referred to as controlled insurance programs (CIP), wrap-up insurance programs are centralized insurance and loss control programs intended to protect the project owner, general contractor and subcontractors under a single insurance policy or set of policies for the construction project.
Our team can offer a free comparative quotes on your General Liability need from multiple insurance carriers so you can get the best possible rate.
All Commercial Lines
Sometimes referred to as controlled insurance programs (CIP), wrap-up insurance programs are centralized insurance and loss control programs intended to protect the project owner, general contractor and subcontractors under a single insurance policy or set of policies for the construction project.
Our team can offer a free comparative quotes on your General Liability need from multiple insurance carriers so you can get the best possible rate.
Commercial General Liability
Commercial General Liability General liability insurance is intended to guard operators and owners of companies against claims that may come from a broad spectrum of sources. These exposures could be just about anything, including liability engendered by accidents from the operations of the insured party, contractual liability, products manufactured by the insured party, etc. The liability you select, whether it is one, two, or three million dollars, determines the cost of general liability insurance. Also factored into the rates are the kind of work undertaken, gross receipts and total payroll expenses.
Our team can offer a free comparative quotes on your General Liability need from multiple insurance carriers so you can get the best possible rate.
Business Owner Package
Business Owners Package policy, commonly called a “BOP”, contains many of the insurance coverages needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements. The basic BOP offers business property for both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and the liability from your products or completed operations.Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed by a small business. Notably they do not cover any workers’ compensation, professional liability, or business vehicle coverage.
Our team can offer a free comparative quotes on your General Liability need from multiple insurance carriers so you can get the best possible rate.
Commercial Builder Risk
Insurance Builder’s Risk Insurance, also known as Course of Construction Insurance,…covers the building, construction materials on-site, and liability in the event of physical loss or damage due to an insured event, such as fire, theft, or vandalism.
Our team can offer a free comparative quotes on your General Liability need from multiple insurance carriers so you can get the best possible rate.
Open Lot / Dealers insurance
Open Lot — Commonly called dealers open lot (DOL) or dealer’s physical damage coverage, refers to physical damage coverage for anything from jet skis to autos, trucks, and even recreational vehicles being held in a dealer’s inventory for resale.
Our team can offer a free comparative quotes on your General Liability need from multiple insurance carriers so you can get the best possible rate.
Commercial Auto
A commercial auto insurance policy is required under most circumstances when the vehicle is used for business purposes and meets certain other requirements. It is not just the registration that determines the requirement for a business automobile insurance policy. Other requirements are ownership by a corporation, use in hauling goods for hire and gross vehicle weight of the vehicle. Some small trucks can be owned and insured under a personal automobile insurance policy under specific circumstances.
Our team can offer a free comparative quotes on all your commercial auto needs from multiple insurance carriers so you can get the best possible rate.
Workers Compensation
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. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job. In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.
Our team can offer a free comparative quotes on your General Liability need from multiple insurance carriers so you can get the best possible rate.
Commercial Property Insurance
Commercial property insurance is a special type of insurance that covers the company building as well as the contents owned by the company. “Property” can include a variety of types: lost income or business interruption, buildings, computers, money, and valuable papers. Under the liability policy coverage, the building should be protected from damaging events such as fire, burglary and vandalism. It may not be enough to cover just the building; the aftermath of such damage should be covered as well.
Our team can offer a free comparative quotes on all your commercial auto needs from multiple insurance carriers so you can get the best possible rate.
Wrap Up Insurance
Sometimes referred to as controlled insurance programs (CIP), wrap-up insurance programs are centralized insurance and loss control programs intended to protect the project owner, general contractor and subcontractors under a single insurance policy or set of policies for the construction project.
Our team can offer a free comparative quotes on your General Liability need from multiple insurance carriers so you can get the best possible rate.
All Commercial Lines
Sometimes referred to as controlled insurance programs (CIP), wrap-up insurance programs are centralized insurance and loss control programs intended to protect the project owner, general contractor and subcontractors under a single insurance policy or set of policies for the construction project.
Our team can offer a free comparative quotes on your General Liability need from multiple insurance carriers so you can get the best possible rate.
Commercial General Liability
Commercial General Liability General liability insurance is intended to guard operators and owners of companies against claims that may come from a broad spectrum of sources. These exposures could be just about anything, including liability engendered by accidents from the operations of the insured party, contractual liability, products manufactured by the insured party, etc. The liability you select, whether it is one, two, or three million dollars, determines the cost of general liability insurance. Also factored into the rates are the kind of work undertaken, gross receipts and total payroll expenses.
Our team can offer a free comparative quotes on your General Liability need from multiple insurance carriers so you can get the best possible rate.
Business Owner Package
Business Owners Package policy, commonly called a “BOP”, contains many of the insurance coverages needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements. The basic BOP offers business property for both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and the liability from your products or completed operations.Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed by a small business. Notably they do not cover any workers’ compensation, professional liability, or business vehicle coverage.
Our team can offer a free comparative quotes on your General Liability need from multiple insurance carriers so you can get the best possible rate.
Commercial Builder Risk
Insurance Builder's Risk Insurance, also known as Course of Construction Insurance,…covers the building, construction materials on-site, and liability in the event of physical loss or damage due to an insured event, such as fire, theft, or vandalism.
Our team can offer a free comparative quotes on your General Liability need from multiple insurance carriers so you can get the best possible rate.
Open Lot / Dealers insurance
Open Lot — Commonly called dealers open lot (DOL) or dealers' physical damage coverage, refers to physical damage coverage for anything from jet skis to autos, trucks, and even recreational vehicles being held in a dealer's inventory for resale.
Our team can offer a free comparative quotes on your General Liability need from multiple insurance carriers so you can get the best possible rate.