A few of the many Business Insurance Carriers we work with:
General Liability Insurance Policy
A Commercial General Liability (CGL) policy protects your business from financial loss should you be liable for property damage or personal and advertising injury caused by your services, business operations or your employees. It covers non-professional negligent acts. Understanding this coverage is an important first step in managing CGL risks.
Here are just a few examples of situations in which your business could be responsible for paying various costs, such as medical and legal expenses, as well as compensatory and punitive damages:
Here are just a few examples of situations in which your business could be responsible for paying various costs, such as medical and legal expenses, as well as compensatory and punitive damages:
- While visiting your business, a customer trips on loose flooring and is injured.
- An employee in your painting or construction business accidentally leaves water running, causing substantial damage to a customer’s home.
- A class action lawsuit is filed against your business, alleging advertisements constituted misleading information.
Professional Liability Insurance Policy
via Insurance Information Institute
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Do you or your business provide professional services or advice to other businesses or individuals? Could your counsel or service lead to losses by your client for which you could be held responsible? If so, you’ll likely want to purchase Professional Liability Insurance, also known as Errors and Omissions insurance (E&O).
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. 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. |
Business Owners Policy (BOP)
Business Owners Policies (BOP) are specifically designed for small and medium-sized businesses. Normally, companies with 100 employees or fewer and revenues of up to about $5 million or less are candidates for a BOP. Some types of businesses, such as restaurants, may be ineligible for a BOP because of the specific risks inherent in the business and may need to consider buying the individual coverages separately. In a single, convenient package, a BOP provides the core insurance that most small businesses need, including:
- Property Insurance—Protection for your building or office space, as well as property owned by your business, such as equipment and inventory.
- Liability Insurance—Coverage for costs that arise if someone is injured at your business or by using your products
or services. - Business Interruption Insurance—Also known as Business Income insurance, this coverage replaces lost revenues in the event that your business has to shut down due to fire, wind damage or other covered losses.
Additional Services
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Business Property
Cyber Liability Business Auto |
Workers' Compensation
Inland Marine Umbrella Policies |
INDEPENDENT
As independent brokers, we are not beholden to any one Business Insurance carrier. Our only goal is to find the best policy for your particular needs. |
FREE
Our services come at no expense to you. That's right - for you, we are free. We get a commission from the insurance companies we work with. |
EXPERIENCED
Our team has over 35 years of experience. Owner Eddy Frayser has been voted 'Best Insurance Agent' finalist by RTD every year since 2015. |