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Commercial Insurance
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 | Property Insurance
| Professional Liability |
| Errors and Omissions |
| Contractors Equipment |
| Pollution Liability |
| Employment Practices Liability |
| Directors & Officers Liability |
| Workers Compensation |
| Inland Marine
| Liability Insurance
| Ocean Marine
| Commercial Automobile
| Commercial Excess - Umbrella
| Crime
| Electronic Data Processing
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We offer comprehensive, customized property and liability coverages to
serve the needs of many different businesses. In addition to “core”
coverages such as a businessowners policy, a commercial package policy,
auto and workers compensation, we can tailor protection through
coverages including:
| Inland Marine
| Boiler and Machinery
| Crime
| Commercial Excess - Umbrella
| Plus other customized coverages and special coverage extension
endorsements. |
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The success
of a business, whether it's a tiny enterprise run out of a basement or
a large corporation, is largely dependent on hard work and ingenuity.
However, no matter how industrious you are, one disaster can wipe out
all your profits and even destroy your business. The key to making
sure that all the effort and money you have invested in a business
doesn't disappear when a disaster strikes is to protect it with the
appropriate insurance.
Do I need
a commercial auto insurance policy?
As
a businessowner, you need the same kinds of insurance coverages
for the car you use in your business as you do for a car used
for personal travel -- liability, collision and comprehensive,
medical payments (known as personal injury protection in some
states) and coverage for uninsured motorists. In fact, many
business people use the same vehicle for both business and
pleasure. If the vehicle is owned by the business, make sure the
name of the business appears on the policy as the
"principal insured" rather than your name. This will
avoid possible confusion in the event that you need to file a
claim or a claim is filed against you.
Whether you need to buy a business auto insurance policy will
depend on the kind of driving you do. A good insurance agent
will ask you many details about how you use vehicles in your
business, who will be driving them and whether employees, if you
have them, are likely to be driving their own cars for your
business.
While the major coverages are the same, a business auto policy
differs from a personal auto policy in many technical respects.
Ask your insurance agent to explain all the differences and
options.
If you have a personal umbrella liability policy, there's
generally an exclusion for business-related liability. Make sure
you have sufficient auto liability coverage.
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