You tell one of your employees to make a quick trip up to the grocery store to get some more coffee. On his way he gets into a car accident and causes injuries to the person in the other car. The injuries were bad enough that they hired a lawyer. Since your employee was running an errand on company time for the business, your company is also named as a defendant in the lawsuit.
The floors in the lobby where just waxed and looking great. Since it’s snowing outside they did get a little wet from people walking in and out of the building. A customer who comes in to make her payment slips and badly injures her back.
One of your employees left their space heater on overnight which caused a fire. Not only did office equipment get damaged but also customers files. It’s going to take at least a week to replace the damaged equipment.
Are you covered?
Insurance isn’t always simple.
Insurance isn’t always simple. Having an independent agent on your side means you have a policy catered specifically for your business. And as your needs change, we can change right along with you.
Business - Office Insurance Coverages Explained:
General Liability: This insurance helps protect your business from claims of:
- Bodily injury which includes customer slip and falls
- Costs for property damage claims against your business
- Medical expenses if someone gets injured at your company
- Advertising injury claims against your business
- Administrative costs to handle covered claims
- Court costs, judgments, and settlements for covered claims
- Court costs, judgments, and settlements for covered claims
Commercial Property: Provides protection for your buildings, business personal property, and property of others
Business Income Insurance: helps cover your lost income if you can’t run your business due to covered property damage or loss, like a fire or storm.
Inland Marine: Provides broader protection for your specific commercial property such as computers, machinery and equipment, tools, and other items.
Commercial Umbrella: covers large liability losses that exceed the limits of the underlying general liability policy.
Optional Coverages:
- Cyber Liability: In the event of a cyber-attack, our cyber liability package offers the coverages and services you need to protect your business. The package includes a wide range of coverages, such as data loss expenses, lost income, and personal identity recovery expenses.
- Employee Dishonesty: Covers your business for employee theft of money, securities, and other tangible property.
- Employment Practices Liability (EPL): Covers wrongful employment acts such as discrimination, harassment, and wrongful termination. With this coverage, you gain access to a valuable employment practices website, as well as a legal advice line, so you can connect with experienced attorneys who are well-versed in federal and state employment laws.
- Professional Liability: We offer professional liability for many different professions.
- Commercial Auto: Covers vehicles you own and use for your business.