Provides coverage for third-party claims related to bodily injury, property damage, and advertising injuries. It covers situations where someone is injured on your business premises or if the business activities cause damage to someone else’s property.
If your business owns vehicles used for business purposes, such as delivery trucks or service vehicles, commercial auto insurance provides coverage for those vehicles. This includes liability coverage for accidents and physical damage coverage for the vehicles.
If your business has employees, workers’ compensation insurance is usually required by law. It provides coverage for medical expenses, lost wages, and rehabilitation costs for employees who are injured on the job.
Property insurance covers physical assets such as the business building, inventory, furniture, equipment, and fixtures against risks like fire, theft, vandalism, and natural disasters. It may not be enough to cover just the building; the aftermath of such damage should be covered as well.
Your tools and equipment are the backbone of your success as a company. From transported goods and hauled equipment to storage items and even construction tools, it’s important to keep your investments protected. With equipment floater coverage, you can avoid damages sustained in the event of accidents, theft, vandalism, or total loss.
Policies are tailored for your business so you get proper coverage
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Backed by the largest, most reputable insurance companies
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Easy, online payments can be broken down into monthly installments for no extra charge
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Policy Service Center
Our state-of-the-art portal allows businesses to manage insurance policies quickly. Week-long waiting periods and stacks of paperwork are officially obsolete.
In a few minutes you can submit the information we need to start the quoting process. Our efficient insurance experience will help you get the coverage you need fast.
While certificate holders are allowed to access policy information, and (in most cases) are informed of any changes, only an Additional Insured endorsement makes it so that the insurance actually applies to you. This becomes important when your business is sued for a contractor’s mistakes.
What is a Waiver of Subrogation?Elizabeth Culley2024-05-07T09:56:31-07:00
When a contractor has a claim, their insurance carrier may decide to later try to recoup the loss from other responsible parties – that means you. A waiver of subrogation takes away this option.
Can Umbrella Replace Part of a Requirement?Elizabeth Culley2024-05-07T09:56:31-07:00
An umbrella policy extends the limits of the coverages a contractor already has. If a contractor has $1M General Liability and $3M Umbrella Liability, they can only use the Umbrella policy on General Liability claims that surpass the initial $1M limit.
What does Cyber Liability Insurance Cover?Elizabeth Culley2024-05-07T09:56:31-07:00
Many don’t realize that what Cyber really covers is data. If a contractor’s computer is hacked, it would cover the data lost in the cyber attack – but it would also cover them if a file with client information was stolen from their car. What it doesn’t cover, are things like damaged electronics or lost revenue from a bug in a freelance developer’s code.
Will turning in a claim automatically increase my insurance?Elizabeth Culley2024-05-07T09:56:31-07:00
This is not an easy answer. Different insurance companies will have different formulas on determining your insurance premium; one of which can be claim frequency and severity. It is our recommendation to discuss your specific claim with our claims manager to see if turning in a claim makes sense. However, all possible liability claims need to be turned in; as the insurance company needs to be put on notice.
An adjuster is a representative of the insurance company that helps settle a claim. They are not employed by us. We do not settle claims as this is done by the adjuster. However, we will assist in making sure a covered claim is paid fairly and promptly.
What is the difference between “replacement cost” and “market value”?Elizabeth Culley2024-05-07T09:56:31-07:00
Replacement cost is the amount it costs to rebuild a home or structure. This amount can also include demolition. This value can be significantly different than an appraisal. Reason being, the cost of materials to rebuild can outweigh a home or structure’s market value. When insuring a home or structure the insurance company needs to know the replacement cost. There are tools that our agents use to help approximate this value.
Should I make my payments to your agency or the insurance company?Elizabeth Culley2024-05-07T09:56:31-07:00
All payments should be directed to the insurance company unless specifically stated by your representative. Please see our “billing” section if you wish to pay by phone or have a question on your billing account.
