As an owner or potential owner of a small business, you have many important decisions to make about your operations, and insuring your business to protect these assets is one of the most crucial.
Bodily Injury covers sickness, disease, or death sustained by a person(s). Property Damage covers the direct physical loss to or loss of someone else's or your property and the loss of usage of that property. Personal and/or Advertising Injury refers to and covers the harm that may be caused to someone. Slamming a competitor, even if unintentionally is a common claim. Completed Operations or Completed Products coverages are those coverages that commonly are called upon when you are working in the capacity of a contractor or service provider.
Employees and their injuries can be covered by a Workers Compensation policy and liability for the hiring, firing, or mistreatment of employees can be covered by an Employment Practices Liability Insurance policy. Builders Risk, Construction Liability, Garage Liability, Commercial Automobile, are just ot name a few of the products we can offer. We have found that many claims these days involve not just the increased costs to reconstruct your business, but often involve loss of income. Business Income and Utility Interruption coverages come into play here. Other issues we have found are those that result in Food Spoilage. As a business owner you need an experienced staff of insurance professionals to assess these potential risks and procure insurance coverages against them.
These are just some of the differences in dealing with an Agent and Broker that deals with insurance and insurance companies everyday, or dealing with a simple minded office that doesn't specialize in Business Insurance. Here at our agency, you can be rest-assured that you would be counseled on the proper limits and what the best price is for the particular risk, not to mention that you would have representation. During the claims process, you are entitled to a swift and accurate facilitation in order to "bring you whole again." Of course, that is the root concept behind "insurance" to begin with.
We invite you to experience our reputation that transcends expectations of service.