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As an independent insurance agency, we work for you - not the insurance companies. Since we represent more than one insurance company we can offer you a wider selection of coverage options that fit your lifestyle and budget.

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Common Types of Coverage

  • Commercial Auto Insurance Whether you’re making a long haul across the country, or just taking your car to the office, you need coverage to help protect against the risks both your employees and vehicles face on the road.
  • General Liability Insurance General Liability Insurance helps cover the costs of liability claims made against your business for third party personal injury, third party property damage and advertising injury.
  • Workers Compensation Workers compensation coverage can help protect both you and your employees after a work-related injury or illness. For the injured employee, workers compensation provides medical care, lost wages and more. For the employer, workers compensation provides a sole remedy, avoiding expensive civil litigation, plus peace of mind knowing your employees will get the help they need to recover and return to work.

Frequently asked questions

A business owners policy is a package of coverages designed to address the needs of a specific class of business in an easy to purchase format.When you think of business insurance, what is the first coverage that comes to mind?

It’s most likely general liability insurance. General liability insurance provides legal defense and insurance protection against things like slips, trips and falls as well as 3rd party property damage.

General liability is a very important coverage to your business, but it is only one of the many coverages that you need to properly protect your business.A business owners policy, or BOP, is a package of coverages, including general liability, that have been grouped together to provide, at minimum, coverage for the basic common losses faced by a business.

Not every business has access to a business owners policy because of the unique exposures that business might have. It’s important talk to a independent insurance agent about whether or not a business owners policy is a good fit for your business.
Yes, because the chance that you could suffer a loss begins with the first day of business. You can't get help after the fact. If you suffer a loss and have no insurance or have improper or insufficient coverage, there is very little, if anything, your insurance agent can do to help you. You must be prepared for the risks that are inherent in any business and the losses, sometimes catastrophic, that they can cause.

Also, many states and local jurisdictions require that businesses be insured to begin operating. And, if you rent space for your business, your landlord probably requires that you be adequately insured as well.
No business can afford to be unprepared for a lawsuit. Liability insurance protects your business assets when the business is sued for something the business did (or failed to do) that contributed to injury or property damage to someone else. Liability coverage extends not only to paying damages but also to the attorneys' fees and other costs involved in defending against the lawsuit - whether valid or not.

The standard business owners policy provides liability coverage, as does a separate policy known as a commercial general liability (CGL) insurance policy. Generally, commercial liability insurance, whether purchased in a separate policy or as part of a standard business owners policy, will cover bodily injury, property damage, personal injury or advertising injury. The medical expenses of a person or persons (other than employees) injured at the business or as a direct result of the operations of the business are also covered.
Business insurance can be adapted to your specific business needs. Recommended coverages often depend on the type of business you have and the risk protection your business will need to stay healthy and whole. At a minimum, you should carry business property and business liability insurance – this often comes in the core business owners policy, or BOP.