Business / Commercial Insurance

Business Insurance

Business Owner's Insurance Policy offers protection from all major property and liability risks.

Business Property

Business Property Insurance covers your property such as a building and any inside business property you may have. For example the computers, office equipment, office furniture, tools, small equipment, etc. If any one item is worth more than $1,500, you may want to schedule this item separately.

Business Interruption

This can compensate you for lost income if your company has to move out of your current promises due to a covered claim/damage, such as a fire. Interruption Insurance covers the profits you would have earned, based on your financial records had the damage not occurred. This would also cover operating expenses.

Business Liability

Coverage for your business's liability exposures you may have, for example your company's legal responsibility for the harm it may cause others. This would be the result of something you or your employees did or didn't do that may cause bodily injury or property damage due to defective products, faulty installations or errors in services.

Business Rental Property

If you own rental property, whether its an apartment building or a one or two-family rental complex, we can find the right coverage for you. We will make sure it covers both property and liability/medical coverage, plus offers you the opportunity to customize the package with options that meet your specific needs.

  • Business Buildings & Other Structures
  • Business Personal Property
  • Scheduled Business Items
  • Liability and Medical Expenses

Business Auto

Coverage is available for the auto you use for your business. Whether it be for your business in town or your farm/ranch out in the country. Protect your farm or commercial business with Commercial Auto Insurance, because road conditions, weather or other drivers on the road are simply beyond your control. Additional coverage available for pollution, employees, hired and non-owned auto, loan/lease, loss of use or replacement cost.

Apartments/Condo Buildings

If you own an apartment building or a one, two or four family duplex, we have the company that will fit your specific needs. The coverage can include:

  • Building & Other Structures
  • Business Personal Property
  • Liability & Medical Expenses

Optional endorsement are available:

  • Replacement Cost Coverage on structures and business personal property
  • Business Income - Loss of Income
  • Extra Expense Coverage
  • Inflation Guard Protection
  • Increased Cost of Construction - Law of Ordinance
  • Pollutant Clean Up and Removal
  • Additional Insureds
  • Liquor Liability
  • Spoilage
  • Cyber Liability

 Employee Coverage Endorsements

  • Employee Coverage
  • Employer Liability
  • Employee Benefit Liability
  • Employment Related Practices
  • Employee Hishonesty
  • Hired Auto & Non-Owned Auto