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BUSINESS INSURANCE

Business insurance coverage is critical to protecting your company from risks, including property loss and repairing or replacing property, such as after a fire, storm or theft. Business insurance can help cover the costs of legal claims made against your business and can help cover an injured worker's lost wages. Without insurance, a significant loss could be devastating to the livelihood of your business.


FEATURES

General Liability

$2,000,000 occurrence

$4,000,000 aggregate

Property

Limits up to $20,000,000

Workers' Compensation

Pay as you go to avoid audit issues

Unlimited Certificate of Insurance

 

BUSINESS COVERAGES

Commercial Property

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.

General Liability

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.

Business Income

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

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.

Inland Marine

Rented Equipment, Owned Equipment, Props, Sets and Wardrobe, Negative & Faulty Stock, Third Party Property Damage, Extra Expense, Office Contents, Cast, Worldwide & more.

Errors & Omissions

Protect against lawsuits alleging copyright infringement, invasion of privacy, and more.

Crime

Covers your employee's dishonesty, forgery or alteration, and theft, disappearance, or destruction of money and securities.

EDP

This insurance covers damage to computers, media, and data with regard to electronic equipment.

Automobile

Automobile Liability, Hired/Non-Owned Auto, Physical Damage.

Workers Compensation

Provides medical expenses, lost wages, and rehabilitation costs to employees who are injured or become ill while on the job.

Umbrella

Excess liability in excess of an underlying liability policy.  Limit up to $10,000,000.

This is a partial list of coverages we offer.  For more information, please reach out to our office.