CUSTOMIZE YOUR COVERAGE
Business property insurance is coverage that can protect your company’s physical assets from unexpected events, including fires, windstorms, theft, and vandalism. Physical assets covered by commercial property coverage could include the business property you own or rent, office equipment, furniture, fixtures, inventory, and other items you count on to support your daily operations.
This type of liability insurance coverage helps protect your business from claims of bodily injury or property damage that can come up during normal business operations. Without general liability coverage, you’d have to pay for medical expenses and property damages out of pocket.
Coverage for replacing lost income if an unexpected event causes a suspension in your business operations due to a covered loss. This insurance acts as business interruption insurance. It includes important monthly benefits to employees, such as payroll and any other financial payments that are due to them. This also includes essential payments, like rent.
Data Breach helps protect your business from the costs of cyber threats or attacks. If your business is attacked, coverage from The Hartford can help cover the costs: to find the source of the breach and mitigate the damage; of communicating to those affected within and outside the company; and for public relations to manage your company’s reputation through the crisis. Our data breach insurance policy even includes access to services that teach you best practices that help prevent breaches from happening.
Rented Equipment, Owned Equipment, Props, Sets and Wardrobe, Negative & Faulty Stock, Third Party Property Damage, Extra Expense, Office Contents, Cast, Worldwide & more.
ERROR & OMISSIONS
Errors and omissions (E&O) insurance is a form of insurance that covers business mistakes or undelivered services that caused financial harm to a customer.
Specifically, errors and omissions insurance covers a variety of legal claims against you, including negligence, misrepresentation, violation of good faith and fair dealing and inaccurate advice.
FIDELITY | CRIME
Fidelity and Crime coverage helps protects businesses from fraudulent or dishonest acts committed against them. It's essential to protect your company against risks that could lead to fidelity and crime claims, such as employee dishonesty and theft, funds transfer fraud, computer fraud, employee fraud, and social engineering.
This insurance covers damage to computers, media, and data with regard to electronic equipment.
Commercial auto insurance protects small businesses when a company-owned vehicle is involved in a collision, stolen, vandalized, or otherwise damaged. Auto liability, medical payments, collision, comprehensive, underinsured, and uninsured motorist.
Workers' compensation provides medical expenses, lost wages, and rehabilitation costs to employees who are injured or become ill “in the course and scope” of their job. It also pays death benefits to families of employees who are killed on the job.
Umbrella provides an extra layer of liability protection by covering costs that go beyond your other liability coverage limits. In other words, commercial umbrella insurance complements your other liability coverages by taking over when your other liability coverage limits have been reached.
BUSINESS OWNERS POLICY
A business owner’s policy (BOP) is defined as the combination of three important forms of insurance – commercial property, general liability, and business income into one convenient package. Business owner’s policies usually cost less than buying the two coverages separately.
I have worked with Truska Insurance Agency for over ten years and find their service and expertise to be outstanding. Robert is extremely knowledgeable and highly responsive to my insurance needs.