Business Insurance

Business Insurance Products

We understand that your specific insurance products need to be tailored to your specific business. We will provide you with an insurance program that will deliver economy, protection, and risk management.

Bid Bond

A bid bond is important to show proof of guarantee to the project owner that you can comply with the bid contract and also that you can accomplish the job as laid out in the contract. A bid bond is a guarantee that you provide to the project owner stating that you have the capability to take on and implement the project once you are selected during the bidding process. Normally, project owners do not know if a contractor is financially stable or has the necessary resources to take on a project. However, because of a Bid Bond, they will be more comfortable to award a project to a contractor knowing that if the project fails, they can collect compensation from the Surety Bond.

Bonds

Bonds can be used to guarantee to one party that another party will perform according to contract or ordinance specifications. Some different types of bonds leveraged for this type of assurance are surety bonds, license and permit bonds, judicial and probate bonds, and contract bonds.

Builders Risk Insurance

Also know as Course of Construction Insurance, this policy does what you’d expect: protects builders against the risks they face in the course of construction. This policy will cover the building, building materials, work done by contractors and engineers, and more. It can even cover loss of income or the cost of delays in the build.

Business Auto Insurance

Your business might own a whole fleet of vehicles. It might only occasionally rent a car or two for its purposes. Either way, you should consider business auto insurance. This policy will step in to protect you against the costs of damages or injuries you cause behind the wheel of a company car.

Business Owners Policy

As a business owner, you’ve got a lot to worry about. That’s why we’ve packaged your business insurance needs in one convenient policy. Designed for small and medium-sized businesses, a BOP can cover your business property, liability, and loss of income.

Commercial General Liability

Don’t leave your business exposed to the risk of a serious financial burden due to a lawsuit. With commercial general liability insurance, you’re protected against risks from product liability to issues with independent contractors to someone slipping at your business premises.

Commercial Package Policy

This type of business package will bundle a variety of coverage together for you. Generally, these policies include coverage like crime, boiler and machinery, liability, property, and more. We can help you customize a commercial package policy to best protect your unique business.

Commercial Property Insurance

You know how much value you have stored on your business property. From your building to your equipment, you’ve got a variety of things to protect. A commercial property policy can help you defend against threats to your business records, building, furniture, equipment, inventory, and more.

Commercial Umbrella Insurance

Did you know that your business might have gaps between your existing commercial insurance policy limits and the exposure your face? A commercial umbrella insurance policy will fill in those gaps, ensuring that once you hit your other liability limits you still have coverage.

Contractors Liability

As a contractor, you face a unique set of risks. You can’t just get a general policy to protect yourself; you need coverage tailored to your specific line of work. For that kind of dedicated policy, we’re here.

Directors and Officers Liability Insurance

Did you know your business’s liability insurance might not protect the personal assets of the people sitting on your board? To get the right people to serve as directors and officers for your business, you need to protect them—and your business itself—against the cost of a lawsuit due to negligence or wrongful acts from your board. You can do just that with directors and officers liability insurance.

Employment Practices Liability Insurance (EPLI)

We live in a litigious age. It’s all too common for current or former employees to bring lawsuits against their employers. If you find yourself facing claims of discrimination, wrongful termination, emotional distress, sexual harassment, or other violations of your responsibility as an employer, EPLI coverage can protect your business against the cost.

Errors and Omissions Insurance

What happens if you fail to deliver a promised service or product to a client? Errors and omissions insurance can step in to cover the cost of any liability claims that arise. Talk with your insurance agent to see if your business should have this type of protection in place.

Fidelity Bond

A fidelity bond is a form of insurance protection that covers policyholders for losses that they incur as a result of fraudulent acts by specified individuals. It usually insures a business for losses caused by the dishonest acts of its employees.

Fiduciary Bond

Beneficiaries and creditors can use a fiduciary bond to make sure their fiduciary performs both honestly and according to the guidelines set forth by their agreement. These types of bonds are commonly used by estate executors, estate administrators, and trustees.

Garagekeepers Legal Liability Insurance

Your garagekeepers liability policy won’t protect you if your negligence is the reason damage comes to one of your client’s vehicles that was left in your care. Fortunately, garagekeepers legal liability can step in. Whether you own a parking lot, body shop, valet service, or towing company, this coverage is important.

Garagekeepers Liability

This policy will protect your business if you park, store, retail, or service vehicles. When your clients leave their vehicle in your care and damage comes to that vehicle, your policy can step in to cover those damages, other non-auto damages, and injuries.

Inland Marine Insurance

This type of insurance has a wide variety of uses. It can protect property while it’s in transit on land, but it can also cover your construction equipment, scheduled valuables, broadcast towers, and buildings under construction.

Landlord Package Insurance

As a landlord, you have a number of risks you need to address. Fortunately, landlord package insurance can protect your buildings, your legal liability, repairmen insurance issues, and even the loss of rent due to a covered disaster.

License and Permit Bond

This type of bond ensures that the holder of it will comply with any state requirements relating to licenses and statutes. License bonds are commonly used by mortgage brokers and contractors.

Liquor Liability Insurance

If your business serves alcohol, you run the risk of being sued because of the behavior of an individual to whom you served too much alcohol. Fortunately, liquor liability insurance can step in to protect you against these liability damages.

Payment Bond

Contractors will commonly provide their project owners with a payment bond in order to guarantee the contractor will pay for specified materials and labor. This bond also assures suppliers and subcontractors they’ll be paid their dues by the project owner.

Performance Bond

Once a contractor is awarded a bid, he or she may offer a performance bond to the project owner. This guarantees that the contractor will complete the work according the the specifications of the owner’s contract. Oftentimes, the performance bond amount will be equal to the full contract amount.

Product Liability

What happens if the product you produce malfunctions, damaging property or injuring people? Whether you made an incomplete repair, served undercooked food, sold a faulty piece of merchandise, or had another issue with your manufactured or sold product, product liability insurance can help you cover the costs that arise.

Professional Liability Insurance

When businesses or individuals hire you, they do so with confidence in your expertise. It’s a problem, then, when you don’t deliver as expected. In these cases, if you’re sued for negligence or violation of your professional standards, professional liability insurance can come to your rescue.

Special Events Insurance

When you plan an event, you deal with a lot of variables. If an event attendee, contractor, or vendor brings a claim against you that your general liability policy can’t cover, special events insurance will be there. We can help you customize a policy to fit your unique event.

Trucking Insurance

Your trucking insurance policy can wrap all of your insurance needs in one neat bundle. This policy can cover your primary auto liability, physical damages, and general liability. What’s more, it can also protect your non-owned trailer liability and offer non-trucking liability when you and your truck are not under dispatch.

Workers' Compensation Insurance

In most states, this type of coverage is required. It protects your workers against the cost of medical bills and lost wages resulting from a workplace injury or illness. It can also protect your business from getting sued for these expenses.