Business Insurance Quotes

Auto Services / Garage Insurance

If your business sells, services, stores, or parks automobiles, your general liability insurance coverage may not be enough to protect you from lawsuits. Car dealerships, body repair shops, and gas stations are specialty businesses with special insurance needs. By combining parts of a commercial general liability policy with parts of a business auto policy, garage insurance guards against the unique risks associated with your automotive business including claims for injuries, mistakes, or property damage resulting from work you have done or unknowingly defective parts that you may have installed.

Builders’ Risk Insurance

Builder's risk insurance is a policy that is designed to provide coverage for buildings while under construction. It covers the contractor’s interest in materials at the job site before they are installed, materials in transit intended for the job, and the value of the property being constructed until it is completed and accepted by the owner. The policy may be written to cover the whole structure for new construction or the cost of remodeling and renovation projects. It can also be used to cover specific projects, such as a new room addition, a deck, or a remodeled bathroom.

There are also additional built-in schemes for the specialized needs of a particular construction project, whether it's commercial or residential. Often, insurance companies request a certain level of experience of the builder before they provide insurance coverage for their commercial sites. Usually, an experience level of 2-3 years in commercial construction is desired.

Business Interruption Insurance

Business interruption insurance is critical if your business suffers a property loss that could cause the business to slow or close while repairs are made. This may mean a complete or partial revenue loss depending on the time frame and the damage.

From the time the loss occurs until your business is running again, insurance can replace your lost profits, and provide a source of money to pay your necessary continuing expenses, like rent, payroll, taxes, etc.

Business Owners Insurance

Business Owners Package policy, commonly called a "BOP", contains many of the insurance coverages needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements. The basic BOP offers business property for both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and the liability from your products or completed operations.

Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed by a small business. Notably they do not cover any workers' compensation, professional liability, or business vehicle coverage.

Cargo Insurance

Cargo insurance is an insurance policy designed to protect against loss of or damage to your goods while they are being transported. The policy is meant to indemnify you if there is any loss or damage to your cargo. Cargo insurance would cover the goods while they are being transported over sea, air, and land. This also includes parcel post and cargo/packages by courier service.

Although the term "marine cargo insurance" is sometimes used, it actually includes coverage for the land transit commencing from the moment the goods leave the storage until they arrive at the final warehouse.

Commercial Auto Insurance

A commercial auto insurance policy is required under most circumstances when the vehicle is used for business purposes and meets certain other requirements. It is not just the registration that determines the requirement for a business automobile insurance policy. Other requirements are ownership by a corporation, use in hauling goods for hire and gross vehicle weight of the vehicle. Some small trucks can be owned and insured under a personal automobile insurance policy under specific circumstances.

Commercial automobile insurance policies are not regulated in pricing, as are private passenger policies. There is price competition between insurance companies for good commercial automobile insurance.

Commercial Trucking Insurance

As a private carrier, you are responsible for hauling goods in your own truck for your company or employer. Whether you’re working in construction, excavation, manufacturing, or any other private carrier capacity, we have truck insurance solutions for you.

Primary Liability - Every trucker/trucking company who operates under their own authority is required to carry primary liability coverage on all owned units and either provide this insurance for their leased vehicles or insure that the leased operator carries it on their own. Generally, the motor carrier provides this coverage for the leased operators but there are rare instances when this is not the case.

Commercial Umbrella Insurance

If you own a business, you probably own some form of general liability insurance to protect you in the event of a lawsuit due to negligence on your part. However, there may be situations where the limits of your general policy may not provide adequate protection. A commercial umbrella can provide you and your business with additional liability protection.

General Liability Insurance

Contractor's General Liability insurance is for residential and commercial builders, general contractors, construction managers, design and build firms, specialty contractors or subcontractors, and owners of public and/or private construction projects.

We offer contractor policies for every type of project: Builders risk insurance and course of construction, Liability insurance, General liability insurance, Contractor insurance, Commercial auto, Umbrella, Workers' compensation, Railroad protective, Equipment insurance, and Contractor bond.

Cyber Liability Insurance

Are you insured against a cyber security breach? As a business owner, you insure your business against losses — but is your liability protected against a cyber break-in? Many businesses overlook this crucial coverage and end up paying millions in damages to customers. Don’t let that happen to you.

Protect Yourself from the Theft of Client Information

Insure your Cyber Liability Exposure

Avoid Costly & Lengthy Lawsuits

Reimbursement for Notification and Regulatory Expenses

Passes on an Extra Layer of Security to Clients

Directors and Officers Insurance

Directors’ and officers’ liability insurance provides financial protection for the directors and officers of your company in the event they are sued in conjunction with the performance of their duties as they relate to the company. Think of directors’ and officers’ insurance as a management errors and omissions policy.

Directors’ and officers’ insurance is often confused with errors & omissions liability. The two are not synonymous; errors & omissions is concerned with performance failures and negligence with respect to your products and services, not the performance and duties of management. Generally, it is a good idea to carry both directors’ and officers’ liability insurance and errors and omissions liability insurance.

Employment Practices Liability

Employment practices liability insurance, otherwise known as EPLI, is insurance that helps protect you against claims from your employees that result from the general conduct of your business. Common examples of employee related claims include claims relating to:

Discrimination

Wrongful Discharge

Sexual Harassment

Hostile Working Environment

Wrongful Termination

Lack of Advancement

Farm / Agribusiness Insurance

The standard farm /agribusiness insurance policy is a hybrid of homeowners’ coverage, commercial business insurance and specialty insurance. A farm / agribusiness insurance policy provides additional insurance coverage for Farm Equipment and Machinery, Livestock, Farm Products, and Farm Liability.

General Liability Insurance

General liability insurance is intended to guard operators and owners of companies against claims that may come from a broad spectrum of sources. These exposures could be just about anything, including liability engendered by accidents from the operations of the insured party, contractual liability, products manufactured by the insured party, etc.

The liability you select, whether it is one, two, or three million dollars, determines the cost of general liability insurance. Also factored into the rates are the kind of work undertaken, gross receipts and total payroll expenses. Similar to auto insurance, when it comes to general liability insurance, you will first have to make a down payment and then follow it up with installments. Before buying general liability insurance, it is best to compare the quotes available in the market.

It is the business owner's or general contractor's job to make sure that the people working under him/her are covered by an insurance policy. If for example, a person who is not a part of the project gets injured, the injured person's lawyer can target just about anyone involved in the project. The more individuals that are involved, the greater the chances of a successful lawsuit.

Hotel & Motel Hospitality

Running a hotel or motel in today's competitive environment is a big challenge. Getting the proper hotel/motel insurance at a reasonable price can be frustrating and time consuming.

Hotel insurance provides business protection coverage for owners and managers of hotels. Hotel insurance covers motels, resorts, spas, ranches and more. Learn more about the coverages included in the hotel and motel insurance policy.

Hotel insurance includes a multitude of coverages specific to the needs of a hotel manager or owner.

Key Person / Employee

Key person (employee) insurance is a particular type of life insurance policy taken out by a company on one of their employees, in which the company is the beneficiary in the case of that employee's untimely demise.

Key person insurance is a relatively new insurance coverage but has attracted much praise and is encouraged by many strategic advisors. Life insurance is basically a system by which a fixed amount of money is paid to a beneficiary in the event that the person being covered dies.

Liquor Liability Insurance

Liquor liability insurance is designed to provide liability insurance protection for those businesses who manufacture, distribute, or sell liquor. You need liquor liability insurance if you sell liquor, and your business is a:

Bar - Convenience Store - Fraternal Club - Nightclub -  Liquor Store - Restaurant - Tavern

Manufacturers Insurance

Manufacturers insurance programs have many elements in common with typical business insurance programs, particularly in terms of workers' compensation and property insurance. A primary aspect of insurance for manufacturing companies is the need for product liability insurance.

Product manufacturers deal with many unique risks. Product liability insurance provides protection for these unique risks - particularly when products manufactured by your company cause harm to others. Some other risks of loss that are important to manufacturers are business interruption coverage and mechanical & electrical breakdown coverage. Our agency can help you analyze the specific risks of your operations and custom design a competitive high-quality plan that fits your budget and your needs.

Non-Profit Insurance

Nonprofit organizations need specialized liability coverages custom-designed exclusively for nonprofit and social service organizations. Like a business or a homeowner, a nonprofit organization needs to protect its property from a loss in a fire, by theft, or from many other hazards. Nonprofits can be lawsuit targets as well. Without the proper nonprofit insurance, a lawsuit could prove financially devastating.

We understand the budget requirements and pressures faced by nonprofits. Because of our access to specially designed insurance programs for the nonprofit community, we can usually provide your coverage at a premium designed with a nonprofit's budget constraints in mind.

Product Liability Insurance

Product liability insurance protects you in case a product you produce or provide causes harm to a user or a user's property. A "product" is anything that is tangibly used, touched, or consumed. This type of insurance is recommended for every business that manufactures a product but is especially important for companies that produce food, clothing, toys, or anything else that could conceivably cause harm to someone.

Most business owner's policies include limited product liability coverage. If, for some reason, you do not have this coverage through a business owner's policy and your product runs the risk of inflicting harm on other people, you may need to buy product liability separately. Similarly, if your product presents a higher risk of injury (for example, it contains a hazardous material), you may need to purchase additional coverage.

Professional Liability Insurance

Professional liability insurance, also sometimes referred to as errors and omissions insurance or E&O, protects businesses or individuals in the event that a customer holds your company or business owner responsible for a service that was provided, or failed to be provided, and did not have the expected or intended results.

Professional liability insurance is separate from a general liability (GL) insurance policy which would cover you mainly for bodily injury or property damage liability.

Restaurant & Bar Insurance

Today's restaurant environment is more complex than ever, and you need to know you're covered for the unexpected occurrence with insurance specific to the unique needs of restaurants and bars.

Whether you run a small cafe or a national chain, you could be held liable for anything from contaminated or spoiled food to spilled coffee. That's why you deserve an insurance company with commercial restaurant insurance coverage specifically designed for the risks you face.

Restaurant & Bar Insurance is needed for the following:

Casual Dining – Coffee Shop – Delicatessen – Ethnic Cuisine – Fast Food – Fine Dining – Micro-Brewery

Special Event Insurance

Whether you are planning a corporate event, holding a large rock concert, or organizing a local flower festival, you will need special event insurance to ensure that you are covered for unexpected occurrences that may spoil the success you and your company may receive when the big day arrives.

Sample List of Special Events:

Auto Shows – Company Meetings – Concerts – Corporate Events – Dances – Dog Shows – Ethnic Celebrations – Horse Shows – Parades – Proms – Sporting Events

Surety Bonds

Surety Bond is a three-party agreement whereby the surety guarantees to the obligee (the project owner) that the principal (the contractor) is capable of performing the contract in accordance with the contract documents. Performance of the contract, which is the subject of the bond, determines the rights and obligations of the surety and the obligee.

Here are the eight different families of surety bonds:

Contract Bonds (Bid and Performance Bonds) – Fidelity Bonds – Fiduciary Bonds – Judicial Bonds – License and Permit Bonds – Miscellaneous and Federal Bonds – Notary Bonds – Public Official Bonds

Technology Insurance

Many companies are unaware that their current business and insurance policies most likely do not cover them for all their technology-related risks. Our technology insurance protection offers coverage options tailored to fit your company's unique needs.

In today's technology-driven world, companies face a number of dynamic exposures. Whether it is hardware failure, faulty software, inappropriate advice, misconfigured firewalls, or inadequate anti-virus software, companies are increasingly at risk. Claims are growing rapidly, leaving companies liable for expensive lawsuits.

Vineyard & Winery Insurance

We understand that you have worked hard to become experts in your winery and vineyard, and we want to insure your growth.

Our vineyard and winery insurance policies are designed to protect your business throughout the entire winemaking process. Our extensive experience in agribusiness and farm insurance, combined with our expertise of the wine industry, enables us to work with you to adapt a winery insurance program to suit your business' unique protection needs.

Wholesalers & Distributors

We offer a broad range of coverages that are cost-effective and perfectly tailored for your business requirements if wholesaling or distributing. Get coverage specifically designed for today's wholesalers and distributors. Our wholesalers and distributors insurance programs include detailed risk assessment and loss control expertise that can help reduce insurance costs for everyone from the small supplier to the large distributor.

Workers’ Comp Insurance

Workers' compensation insurance protects employers from claims resulting from injuries to employees. It protects your business from lawsuits and provides employees with compensation for on-the-job injuries.

By law, most employers are required to provide coverage for lost wages and medical bills incurred because of on-the-job accidents or illnesses. For many businesses, workers' comp coverage is the largest part of its insurance expense.