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Business is unpredictable. Buying business insurance shouldn't
be. Knowledge is power and we're here to help. Let us
share our wealth of information with you to help arm your
business with the best possible policy for you. Because
we are an independent agent appointed to represent over
30 carriers including Mercury, Allstate, Progressive,
MetLife, Travelers, Safeco, The Hartford, and more,
you can be assured that we are going to provide the highest
level of coverage at the most competitive rates.
State regulations will determine basic insurance requirements.
Among the commonly required policies are workers compensation,
unemployment, and disability insurance. But these may
not be enough. Business insurance packages can include
any of the following coverages:
- Business Owners Policies (BOP)
- General Liability
- Business Personal Property
- Worker's Compensation
- Employment Practices Liability
coverage
- Errors & Omissions
- Commercial Auto
- Group Benefits
- Professional Liability
- Worker's Compensation
- And More
Business Owner's Policy (BOP)
No matter who you choose as an insurance provider, you
are going to want an insurance package that protects
your business' property and protects you from liability.
Many small businesses will qualify for a Business Owner's
Policy (BOP), which is a combination of a General Liability
policy, a Business Personal Property policy, and - if
you own any buildings - a Building policy, plus a handful
of additional useful coverages. It sounds like a lot,
but they're all important, which is why they're usually
offered together. While the BOP was designed for certain
types of business, don't worry if yours doesn't qualify
for one - you can still get a great deal on a custom
commercial package that's just right for you.
General Liability insurance,
sometimes called Commercial General Liability insurance,
protects your business from third party claims for damage
to someone else's property, as well as bodily injury
and any related medical costs. It covers the defense
costs as well as any judgments for covered losses for
which your business is held liable, up to your policy
limit. All of which is a fancy way of saying: you and
your employees have coverage if you get sued for negligence,
property damage, injury, or slander.
Business Personal Property insurance
provides protection for the property you own that is
used in your business, tenant's improvements like fixtures
and installations you've made to a building that you
occupy but don't own, and includes leased property that
you have a responsibility to insure. Examples of business
personal property include computers, laptops, printers,
furniture and office supplies you own or lease. If your
business sells goods or products, Business Personal
Property will also cover your inventory held for sale.
Coverage is usually at replacement cost.
Call
for more information
(866)
598-9368
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