Why Choose Us
Whether you are just starting out or been in business for many years, insurance is vital to ensuring you can focus on what you excel at. Every business is unique and should have a policy to fit its needs. Let us protect your business that you have worked so hard to build!
The Basics Of Business Insurance
Commercial General Liability (CGL) - This is the part of your policy that pays for those slips and falls that happen on your property. It does have a few notable exclusions such as: Professional liability, pollution, criminal or intentional acts, Workers Compensation, Abuse, Automobiles, damage to your work and more. It is important you understand what is excluded on your policy, as these exclusions can be added back based on your business. Please check with us to make sure you have the coverage you need.
Building - these are insured under a Broad policy or a Named Perils policy depending on the use, age, updates and where it is located. A Broad form policy offers much better coverage and should be purchased in most situations.
Contents/Stock - Depending on your business you may want to insure the contents which are inside the building. It is important to tell your insurer what kind of contents you want insurance for, as office supplies are much different than heavy equipment. Typically machinery, tools and equipment fall under a different category, which is listed separately under your policy. Never assume the contents of your building are automatically covered under contents - please check with us.
Equipment - Equipment you use for your work everyday may be included under the contents part of your policy, but it is best to ask us to make sure there are no gaps in your coverage.
There is much more to every commercial policy, but these are a few of the basic coverages that most policies should include. Please look at our specific business pages for more information regarding your type of business or feel free to contact us so you can get the coverage that is right for your business.