small business insurance services
We offer insurance packages (BOP) tailored to your specific type of business. Whether it is insurance for your building, business property, equipment, inventory or company vehicles, we offer products and services to protect your business. In addition, we offer
group health and retirement plans.
PROPERTY INSURANCE
Amounts quoted below are the typical basic coverage limits provided – additional coverage may be purchased and limits vary by company.
General Loss
Protects your buildings and business personal property, including computer equipment and glass, from certain losses due to fire, vandalism, theft, windstorm, water exposure or other perils.
Business Income Protection
Provides coverage for loss of earnings and/or extra expenses after a covered loss, for up to 12 months or more.
Accounts Receivable
Most policies provide $25,000 coverage for amounts due from your customers that you are unable to collect because of loss or damage to records.
Equipment Breakdown
Covers damages related to certain equipment failure which is often not covered by warranties or property policies.
Valuable Papers or Records
Provides $25,000 coverage for loss of documents, manuscripts and records, including data and media, caused by a covered hazard.
Money and Securities
Provides coverage for theft, disappearance, or destruction of money and securities at your covered premises, at a bank, or while in transit. This covers up to $10,000 on premises and $5,000 off premises. Higher limits are available.
Employee Dishonesty
Provides $15,000 coverage for loss of your business property and money and securities caused by covered dishonest acts committed by your employees.
Forgery or Alteration
Provides $5,000 coverage for losses involving forgery or alteration of checks, drafts, and other covered instruments.
Sewer or Drain Backup
Provides $5,000 coverage for damage caused by water that backs up from a sewer, drain, or sump.
Outdoor Signs
Provides $7,500 for damage to your outdoor sign caused by a covered hazard.
LIABILITY INSURANCE
General Liability
For covered acts, provides protection for damages legally owed to others as a result of your business operations. Choose one of four amounts of coverage to cover claims of the following: Bodily injury, Property damage, Personal and advertising injury.
Tenants Liability
Pays for property damage loss, for which you are legally liable, to premises rented to you, up to policy limits.
Medical Payments Coverage
Helps pay doctor bills for accidental injuries up to $10,000, even if the accident does not involve legal liability.