Workers compensation insurance is a policy that provides medical expenses, lost wages, and rehabilitation costs to employees that are injured during the course of employment. This policy also provides employers liability for suits brought against the employer by employees due to negligence in work conditions.
Having peace of mind knowing your prized possessions are covered allows you to live a joyful life. Umbrella policies provide that added layer of protection to ensure you’re properly covered in the event a catastrophic loss occurs. Just like a rain umbrella, an umbrella policy protects the underlying policies you have in place, some even […]
Directors & Officers liability insurance is designed to protect individuals, and their spouses, from personal losses if they are sued as a result of serving on a board of directors and/or officer of a business or other type of organization. Directors & Officers liability will also extend to legal fees that the organization may incur […]
General liability provides coverage for your premise and your operations or third party property damage allegedly caused by you or an employee. This is the coverage that your business needs to protect you from any wrongdoing. This is the most basic liability coverage offered for your business.
Business Owner Policies (BOP) offer a bundled general liability and commercial property insurance policy. It is generally more cost effective but limited in its ability to be customized to fit your needs. For most small businesses that fit within the BOP guidelines, this is exactly what is needed to cover their property and provide general […]
Commercial auto insurance can be designed to cover many different types of autos and some types of mobile equipment. The coverages within this policy provide protection for bodily injury and property damage caused while operating a company automobile, and medical expenses and/or lost wages for the operator and passengers of the company’s car. These policies […]
Business Property Insurance is one of the most common types of business insurance. This coverage can be used to cover a wide array of exposures ranging from buildings, inventory, equipment and/or tools to outdoor property like signage. Losses against such property can be caused by fire, vandalism, burglary or natural disasters like wind or hail. […]
Group health insurance provides health insurance coverage members inside a defined group. Often this is offered by employers to their employees. There can be advantages to acquiring coverage through a group plan. These advantages could include such things as additional plan designs and features, tax advantages to the business as well as employee retention. As […]
Group life insurance is a life insurance policy owned often by an employer taken out to cover employees. Term insurance is the most common type of group coverage taken out. It is an easy way of providing some additional income to an employee’s family in the event of an an untimely death of the employee. […]