Get the right liability and
property insurance fit with us.

All businesses come with common liability risks that put their assets on the line. For example, premises liability exposures exist from potential slips and falls and other accidental injuries to visitors at your location. You have third-party property damage risks. There is also the potential for personal injury and advertising injury claims. Depending on your business, you may have product liability exposures from bodily injury or property damage if you manufacture, sell, handle or distribute goods or products.

We’ll look at your operation from top to bottom to determine what your exposures are and provide you with Commercial General Liability coverage that fits your risk profile. We’ll also help determine the limits you should be carrying so that you’re properly covered.

As good as General Liability insurance is in covering many of the basic liability risks that exist, there are other policies needed to step in to cover certain exposures. This includes professional liability risks based on specific services you perform; employment practices exposures like allegations of discrimination and harassment; management liability risks for directors and officers; and cyber liability that can upend any and all types of firms. Some businesses may have pollution liability exposures that will need to be addressed with additional coverage on a General Liability policy or with a separate policy. After reviewing your operation, we’ll break it down for you simply and succinctly so you understand exactly what you need to be properly protected.

From start-ups, to main street businesses, to companies with multiple locations and properties, we can provide you with Property insurance designed to protect the physical assets of your business. This policy covers you for damage from fire, theft, vandalism, windstorm, hail, explosion, aircraft, collapse, and other causes of loss as well. If you own the building, we will assess the amount of coverage you need. We’ll conduct an evaluation of your operation and look at your location and the value of your property to determine if any of the hazards you face could result in additional exposures. Whether you own or lease, we’ll also look at your building contents (inventory, furniture, equipment, etc.) to assess your coverage needs.

Our staff will take a close look at your loss of income exposure if you were to shut down temporarily due to repairs or rebuilding because of property damage from a covered loss like a fire. Business Interruption insurance is critical for all types of businesses. Just think of how you would pay your ongoing business expenses, including payroll, if you didn’t have the protection needed to kick in.