Small, mid-size, or large, we’re in the business of protecting your business.
What is Business Insurance?
There are many factors to consider when taking the steps to insure your business. What if a product is lost or damaged? What if your product causes harm to a consumer? How many people do you employ? What if someone gets hurt on the job? Do you have a company car?
Owning a business comes with a lot of risk, which is why business insurance exists. You can opt for a variety of general and specific policies to give you as much coverage as you need in areas like liability, employment, and damage costs, depending on what your company does.
Why Is It Important?
As a business owner, you take risks, make investments, and employ others to work for you and help your company grow. These steps are exciting, but they can set you up for the major loss when accidents happen. It is important to protect yourself, your finances, and your employees in the event that something goes wrong.
Explore the Best Coverage Options for your Business
When you purchase business insurance through our providers, you can opt for coverage in the following areas:
Agribusiness Insurance
Protect your next-level agricultural business with a next-level insurance policy. Agribusiness Insurance is designed to protect businesses that earn all or most of their revenue from agriculture. This can apply to family farms and ranches but is usually reserved for commercial grain and field crop growers, cotton growers, vineyards, wineries, bakeries, nurseries, canneries, meat packing plants, bottlers, seed merchants, and countless others. Businesses that opt for Agribusiness Insurance typically utilize advanced technology and play a role in the processing, packaging, and distribution of products.
Agribusiness Insurance Policies Can Cover:
- Buildings, contents, and other real and personal property
- Agricultural and manufacturing equipment
- Commercial automobiles and fleets
- General liability for on-premises injuries, property damage, etc.
- Liability for harm caused by products
- And much more
Business Interruption Insurance
Buy your business time by investing in business interruption insurance.
What is Business Interruption Insurance?
As a business owner, you know that anything can happen –– fire, tornadoes, floods, and any other natural or manmade disaster could potentially damage what you’ve established over the years. You’ll need financial coverage while working in order to resume business as normal after a disaster, whether that involves repairing your current location or relocating if necessary.
Did you know that 25% of businesses that close from a disaster never reopen; you can be part of the 75% who come back by investing in business interruption coverage.
What Does it Cover?
- Lost earnings you would have made under normal circumstances
- Damaged or lost Items; this can help you get back the money lost on merchandise you had planned to ship
- Expense coverage to keep the business running; for example, if you have to temporarily relocate
- Coverage if anything happens that causes your business to stop or slow down during post-disaster repairs
- Coverage for lost profits, payroll, rent, and taxes until business resumes as normal
Business Owner’s Policy
A package of the basic coverages you need to get your business off the ground.
What is a Business Owner’s Policy?
A Business Owner’s Policy (BOP) is a combination of the best business coverages all in one policy, so you get the best deal with the most coverage. For businesses with a high risk, a BOP can protect you the best.
Most Business Owner’s Packages Include:
- Business Interruption
- Business Owner’s Package
- General Liability Insurance
- Commercial Auto Insurance
- Commercial Building
- Commercial Catastrophe Insurance
- Commercial Property Insurance
- Commercial Umbrella Insurance
- Event Insurance
- Equipment
- Group Health Insurance
- Group Life Insurance
- Group Disability Insurance
- Manufacturers
- Insurance Bonds
- Supplemental Insurance
- Workers’ Compensation
- And More
Commercial Shed Insurance
Protect every delivery. A lot of risk surrounds the portable shed industry. With so many moving parts in the shed operation, it is important that you be prepared for things to go wrong, from the manufacturing process to the delivery.
Our Coverage Protects:
- Manufacturing Company
- Distributor
- Retail lots
- Transportation
- Rent-to-own
Contractor’s Insurance
Complete your project with peace of mind. With Contractor’s Insurance, many homes and businesses would not exist today without a contractor to create and build them. Their craftsmanship is an invaluable resource that should be insured to make certain they are able to continue. The contractor’s insurance covers a wide variety of areas, including the following list below.
What it Covers
- Business Personal Property – your contents and equipment are covered from accidental physical loss.
- Building Property – covers your structures along with its features.
- Business Liability – financially protects you against costly claims and lawsuits.
- Completed Operations – coverage for injury and property damage claims after a project is completed.
- Mobile Equipment – coverage for mobile equipment, tools, and equipment.
- Installation Floater – coverage for covered property you own or are responsible for.
- Property of Others – damage to the property of others while in your care, custody, or control is paid for.
Commercial Term-Life Insurance
Provide for your employees, with Term-Life insurance. Term-Life Insurance is one of the most affordable types of insurance since it is available in most workplaces. It serves as temporary financial protection for your family while you have a job. The death benefit will go directly to your beneficiaries for funeral costs and any financial obligations.
Common types of term life insurance include:
- Basic Term Life: paid by your employer for a set period of time to provide your beneficiaries plenty financial support.
- Supplemental Term Life: paid by you as the employee to allow you to purchase coverage as needed according to your situation in life.
- Dependent Term Life: Provides coverage for your spouse, partner, or eligible children.
Ready to see coverage options for your employees?
Commercial Auto
Keep your business going. When your business relies on or uses automobiles daily, you need to make sure before you hit the road you are covered for any possible issues. Every second you are out on the road you face several risks that are, unfortunately, unavoidable. Commercial auto insurance is similar to your typical auto insurance, only it covers a few different areas to insure your employees along with your goods are kept safe. Without the added protection, you could run into serious issues that might make you and your business look bad.
What it Covers
- Collision coverage
- Auto liability
- Medical payments
- Coverage on rented or borrowed vehicles
- Employee coverage
Vehicles Covered Under Commercial Auto Insurance
- Regular cars and SUVs
- Catering trucks
- Light and medium weight dump trucks
- Utility vans
- Refrigerator trucks
- Tow trucks
Commercial Building & Property Insurance
Protect your business for years to come. Your building is what customers enter and exit when visiting your business. Make sure that they are kept protected along with your employees and valuable items by having a commercial building and property insurance.
Commercial Building & Property Insurance What it Covers.
- Building
- Furniture and equipment
- Inventory
- Outdoor business signs
- Fixtures
- Other people’s property
- Catastrophe such as fire, flood, wind and hail, theft/burglary.
Who it Benefits
- Commercial or business office owners
- Commercial office or storage renters
- Owners of valuable property, such as computers, culinary equipment, or specialized tools.
- Owners who have property you rely on to run your business.
Commercial Umbrella Insurance
Broaden and expand your general liability business policy. Commercial Umbrella Insurance allows you to expand upon the policies offered under general liability.
What Commercial Umbrella Insurance covers:
- It can broaden coverage in your plan — if a part of your general liability doesn’t cover something, you can add to your plan with Commercial Umbrella Insurance.
- Umbrella Insurance can increase coverage totals
- Umbrella Insurance allows you to customize a policy so it’s just right for your business.
Directors and Officers Insurance
Retain highly qualified executives and board members with insurance that protects them from wrongful allegations. Directors and Officers (D&O;) Insurance protects the people who lead organizations. Nonprofits, financial institutions, public companies, and private companies are all susceptible to costly legal issues and wrongful allegations surrounding members of their leadership boards. Whether they are threatened by employees, clients, investors, or other parties, D&O; insurance helps protect executive members and/or your company from financial and legal damage suffered from allegations and lawsuits.
D&O insurance policies typically provide protection and support in cases of:
- Regulatory actions
- Securities litigation
- Allegations of misrepresentation
- Breaches of fiduciary duties
Errors and Omissions Coverage
Everyone makes mistakes, even professionals. Protect yourself and your business from mishaps on the job with Errors and Omissions insurance. o beyond General Liability with Errors and Omissions Coverage. Errors and Omissions (E&O;) Insurance is sometimes referred to as professional liability insurance. This type of insurance protects you when a client files a lawsuit against you on the premise of professional mistakes, negligence, or the failure to produce promised services.
E&O policies typically cover:
- Attorney fees
- Court costs
- Settlements and judgments
Equipment Insurance for Any Business
Be ready for breakdowns with an insurance policy that protects your finances and replaces your equipment. When it comes to insuring equipment, we often think of businesses like restaurants and factories, but the truth is that all businesses rely on equipment that can lead to expensive solutions when it breaks down. That’s why Equipment Breakdown Insurance covers a wide range of equipment: electrical and mechanical equipment, air conditioning and refrigeration systems, communication equipment and computers, boilers and pressure equipment, and even new technology.
Equipment Breakdown Insurance has your back no matter what happens. Our policies typically cover:
- Cost to replace or repair damaged equipment
- Cost for equipment company’s time and labor to repair/replace equipment
- Revenue loss for your company when equipment breakdown leads to business interruption
- Damaged goods as a result of equipment breakdown
Employment Practices Liability
Protecting your business from slander. This type of insurance, or EPLI, is made for employers to protect them against allegations made by employees that could potentially harm the business. EPLI is more beneficial in newer businesses who are often vulnerable against employment claims, but can be used for large companies as well. In some cases, EPLI can be offered as an endorsement to a Business Owner’s Policy (BOP) and a General Liability Policy (GL).
Offers Coverage for Wrongful Claims Such As:
- Employee Discrimination
- Wrongful Termination
- Harassment
- Other employment-related issues
General Liability Insurance
Protect what you built. Also referred to as “commercial liability,” General Liability Insurance covers a business’s general liability exposures and minimizes financial risks, such as death or injury of an employee, lawsuit, or natural disaster.
General Liability protects you against:
- Bodily injury and property damage liability
- Personal and advertising injury
- Medical payments
- Products completed operations
- Damage to premises rented to you
Group Health Insurance
Keep your employees happy and healthy with quality health insurance benefits. Group health insurance offers all of the same great benefits our individual health insurance package covers. Be sure to take care of your employees by offering them the comprehensive health coverage they deserve.
Why Your Business Needs Group Health Insurance Group life insurance increases the happiness of your employees. Below are a few of its benefits:
- Insurance Premiums are tax deductible
- Health insurance contributes to employee loyalty and morale
- Employee turnover rates can significantly decrease when quality benefit packages are offered
Group Life Insurance
Your employees are your most valuable asset. Make sure you’re offering them a comprehensive life insurance plan. Group life insurance offers life insurance policy benefits to your employees. Making sure they’re cared for will help your business continue to prosper and grow.
Why Your Business Needs Group Life Insurance Group life insurance increases the happiness of your employees. Below are a few of its benefits:
- Insurance Premiums are tax deductible
- Life insurance contributes to employee loyalty and morale
- Employee turnover rates can significantly decrease when quality benefit packages are offered
Group Disability Insurance
Everything beneficial about our Individual Disability Package, for a number of people.
What Our Disability Plan Offers
Rates are dependent on the amount of people you choose to cover under our group disability plan. Contact an agent to discuss pricing today.
Inland Marine Insurance
A secure insurance policy for property that moves. Historically derived from insurance that covered property being shipped overseas, Inland Marine Insurance specifically covers moveable properties on land. It also covers specialized items that standard property insurance policies can’t cover, like instrumentalities of transportation and communication
When you purchase Inland Marine Insurance from us, we will shop our trusted carriers for a policy that can cover any of the following:
- Moveable property & equipment
- Valuable property in transit over land
- Bridges, roads, piers, etc.
- Radio towers, television, computer equipment, and data
- Legal liability exposures of bailees
- Property in your temporary care
Workers’ Compensation
Give your employees peace of mind in the workplace. Workers’ Compensation Insurance is mandatory for most businesses in the country as it protects both the business owner and their employees from job-related injuries. It covers medical care and any lost wages for the employee injured on the job, as well as protects the employer should a lawsuit arise. Your business depends on your employees. Make sure you keep your business running smoothly by protecting your employees and giving them confidence to work with you safely.
Many Workers’ Compensation Policies Include:
- Payment Systems
- Medical disability case managers
- Life care planning nurses
- Legal staff
- Contracts with medical network providers
- Vocational rehabilitation consultants
Commercial Trucking
Coverage for the road ahead. Trucking insurance offers coverages for your truck, your cargo, and transportation in case anything were to happen on the road. The cost of the insurance is determined by a number of factors including your vehicle, location, driving radius, driving history, and more.
Who Needs Trucking Insurance
- Owner Operators
- Motor Carriers
- Private Carriers
Why You Need Trucking Insurance
Commercial trucks are an important factor to make sure we receive necessary products. Having trucking insurance will make sure that the driver, truck, and items are all covered in case anything were to happen. That way businesses can continue to run.
What Is Included:
- Truck Liability
- Motor Truck Cargo
- Physical Damage
- Occupational Accident
- Trailer Interchange
- Rental Reimbursement and Downtime
- And more
Motor Truck Cargo Insurance
It’s what’s on the inside of the truck that matters too. Trucks haul a lot of items and goods every single day. But as many know, when on the road, anything can happen. That is why truckers have Motor Truck Cargo Insurance to cover the commodity hauled by for-hire truckers. It is helpful in incidents where your load accidently tips over onto the road. The policy will pay for the expenses to remove the debris and/or pollutants created by the debris. It even covers the legal side of things in case you get sued because of a failed delivery or other claims.
Who It Covers
- Dump trucks
- Tractors
- Box trucks
- Cement mixers
- Cargo vans
- Dually pickups
- Flatbeds
- Car haulers
Physical Damage Insurance
Protect your truck from any outside force. This type of coverage plan is actually a combination of three other plans including Collision Insurance, Comprehensive Insurance, and Fire and Theft Insurance. They all work together to make sure that when your truck collides with an object, overturns, or is stolen, the damage is paid for or is replaced. Physical Damage Insurance is required for trucks that are leased and is optional for trucks that are fully paid for. However, with so many outside forces that could damage your truck, it would be wise to view the coverage plan as a requirement for fully paid trucks rather than just optional.
What It Covers
Pay to repair or replace your vehicle if it:
- Collides with another object (ex: a telephone pole)
- Overturns or rolls due to outside forces
Truck Liability Insurance
The right protection for any trucking incident. Truck Liability Insurance, also known as Motor Truck General Liability, is required for companies that hire permanently leased independent contractors also known as for-hire truckers. In the event that an accident occurs not directly related to operating the truck, this coverage plan protects you and others by paying for the injuries and damages sustained.
Situations When Truck Liability Is Needed
- A customer slips or falls on your premises
- Incorrect delivery of products resulting in damage
- The Insured’s error causes a fire on the rental property
What It Covers
- Bodily Injury and Property Damage Liability
- Personal Injury and Advertising Injury Liability
- Medical Payments
- Products / Completed Operations
- Damage to Premises Rented to You (available for 7 days or less)