We offer insurance packages that are tailored for different
types of businesses. Whether it is insurance for your building,
business property, equipment, inventory or company vehicles,
we offer products and services to protect your business. In
addition, we offer group health and retirement plans.
PROPERTY INSURANCE
Property Insurance covers the risk of property loss in a variety
of commercial situations, including commercial buildings,
equipment, furniture, fixtures, inventories, business records,
supplies and other physical items. Property Insurance may
cover two types of property losses:
* Direct losses may be covered when property is lost, stolen,
damaged or destroyed.
* Indirect or consequential losses related to direct losses
may also be covered.
COMMERCIAL GENERAL LIABILITY INSURANCE
Casualty Insurance consists primarily of liability coverages,
which protect an insured party against injury or damage claims
made by other parties. Policies provide coverage for liability
arising out of:
* Premises and Operation
* Fire Damage Liability (damage by fire to premises rented
to insured)
* Personal and Advertising Injury
* Medical Payments
* Products/Completed Operations
You may want to consider a Business Owners Package which combines
your Liability, Property and other types of coverage into one
comprehensive policy and which can help you save time and money
on your total insurance program. And since we live in an age
of million-dollar lawsuits, you may also want to add extra
liability protection in the form of a Commercial Umbrella Policy.
We can tell you more about these plans and if they make sense
for you.
BUSINESS AUTO INSURANCE
Business Auto coverage insures vehicles that are owned, leased,
hired or borrowed by businesses, whether they are associations,
corporations, partnerships or sole proprietorships. Business
Auto coverage may be used to insure private passenger autos
and all types of trucks, trailers, semitrailers and commercial
vehicles designed for use on public roads. We can give you
more details about specific coverages and deductibles and
about tailoring a Business Auto plan that’s right for
you and your business.
WORKERS' COMPENSATION
Workers’ Compensation coverage applies to bodily injury
and diseases arising out of and in the course of employment.
Any bodily injury must be accidental, and the term includes
death resulting from the accident. Only occupational diseases,
which are unique to the occupation, are covered. Workers’ Compensation
provides for the payment of four types of benefits:
* Medical benefits
* Income benefits
* Death benefits
* Rehabilitation benefits
A representative can provide you with complete details on
Workers’ Compensation Insurance and recommend cost-effective
ways to control expenses through safety engineering and claim
services.
