Business Insurance

What are my coverage options?

There are a wide range of coverages available, as well as an array of choices for limits and deductibles. (See important note below.)

If you’re a small business owner, there’s a good chance that our policy can help provide some of the coverages you need. For larger businesses, our Business Package Policy may be more appropriate. Consider enhancing the basic coverages available – Business Automobile Insurance, General Liability Coverage and Business Property Protection – with the following optional coverages:

Cargo Coverage: Helps protect your cargo or inventory while in transit or during storage.
Tool and Equipment Coverage: Helps protect your tools and equipment used in your business while on your vehicle or at the job site.
Business Interruption Coverage: Helps protect against loss of income (for up to 12 consecutive months) resulting from a covered loss.
Crime Insurance: Helps protect against loss from burglary, robbery, even employee dishonesty.
Umbrella Excess Liability Insurance: Provides higher liability limits, over the primary or underlying liability insurance.

Specialty Markets

In addition, we have specialty programs to help meet the insurance needs of:

Affinity Groups
Franchisees
Associations

And in order to make available a wider variety of insurance products, our agency particiates in the programs listed below, and may be able to offer you coverages provided by other companies.

Important note: The above coverages and protection are subject to availability and qualifications. Other terms, conditions and exclusions apply. This is a brief description of our business insurance coverages; this is not an insurance contract. To help you figure out which coverages, limits and deductibles are right for you and whether you are eligible for a particular business insurance product is available , please contact us.