Commercial Business Insurance Services
Comprehensive Commercial Insurance Solutions
Businesses by nature have many risks, but business liability coverage safeguards against many known and unknown risks. Commercial liability insurance coverage protects you, your business, and your employees from claims involving bodily injury or property damage, up to the limits of your policy. BOPs 's Include:
NOTE: We are a premier skilled and assisted living facility and operations specialist. Our agency owner is a past facilities owner and certified administrator, along with the coveted insurance industry designation of CLCS, Commercial Lines Coverage Specialist, and has developed our program to deliver top-tier carrier and services for any facility and business size. We also offer specialized coverages for all types and sizes.
Workers Compensation Insurance or WorkComp Insurance
Employers are legally obligated to take reasonable care to ensure that their workplaces are safe. Nevertheless, accidents happen. When they do, workers compensation insurance provides coverage.
Workers compensation insurance serves two purposes: it assures that injured workers get medical care and compensation for a portion of the income they lose while they are unable to return to work, and it usually protects employers from lawsuits by workers injured while working.
Workers receive benefits regardless of who was at fault in the accident. If a worker is killed while working, workers comp (as it is often abbreviated) provides death benefits for the worker's dependents.
Our large carrier appointments and services allow us to seek your industries leading carriers which have become industry specific, allowing you to chose between several programs, services, and rates that meet your needs as a employer of choice.
Employer Payroll and Compliance
Small to medium companies all have one thing in common, Payroll and labor law compliance challenges. It’s like tax and death, they all have the same endeavors in trying to meet the demands of payroll struggles and the ever-changing labor laws. 3/5's of businesses in the US are faced with lawsuits do to employee treatment, intentionally or not. Every company is at risk and no business with employees is exempt from this fact. In addition, the small to mid-size companies are at the greatest risks, for they do not always have the resources to implement the best options, until now.
Keeping track of payrolls, hourly, overtimes, holiday, sick or away on leave are alone enough to boggle the most ardent business practices. Throw in regulations like days and hour regulations, benefits, WorkComp, COBRA, funding the direct deposits etc the list goes on and on.
Stop the struggle, the pains, the mishaps, and most importance, stop the chance of losing your legacy, when we have the Better Option to your Payroll and Compliance needs.
Benefits we offer include:
Professional/General Liability Insurance
Claims not covered by general liability insurance that are covered by professional liability insurance include negligence, misrepresentation, violation of good faith and fair dealing, and inaccurate advice. What types of businesses need professional liability insurance?
In some states, professional liability insurance is required, especially for attorneys and doctors. Legal and medical malpractice insurance policies are special types of professional liability insurance. Other professionals that should consider professional liability insurance include:
What's covered - and what's not
There are two types of professional liability polices: claims-made and occurrence. Most professional liability insurance policies are "claims-made", meaning that the policy must be in effect both when the event took place and when a lawsuit is filed for a claim to be paid. If, however, you change careers or retire, you may want to purchase an "occurrence" policy that will cover any claim for an event that took place during the period of coverage - even if the suit is filed after the policy lapses.
Professional liability insurance will pay the cost of legal defense against claims and payment of judgments against you, up to the limit of the policy. In general, coverage does not extend to non-financial losses or losses caused by intentional or dishonest acts.
You may be able to include professional liability coverage in a Commercial Package Policy (CPP) as an endorsement. Note, however, the professional liability coverage is not included in an in-home business policy or Business Owners Policy (BOP).
Other Protection Business need to consider are:
Let us together discuss your operations and see how uniquely our professionals assemble a solution for you and your business. We look forward in offering you a Better Option when in comes to fully protecting your business and personal needs in this ever-changing environment.
Be Prepared When the Unexpected Happens
It's not possible to prevent the unexpected, but you will rest easier with peace of mind knowing your home, your automobile, and your recreational vehicles are all insured. Protect your investments! Contact us with your questions and to set up an appointment.