
COMMERCIAL INSURANCE

AUTO DEALERS INSURANCE
As an auto dealer, you are aware of the risks. The heart of your business can be very vulnerable as your products sit open in car lots, showrooms, etc. What we would like to know is whether or not your current auto dealers insurance policy takes all of this open exposure into account. A comprehensive auto dealers insurance policy can include coverage, such as:
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Property damage and bodily injury
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Garage keepers
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Garage-owned autos
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Hired autos
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Non-owned autos
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Temporary substitute autos
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Newly acquired autos
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Defective Product and Faulty Work Coverage (optional)
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Customer Autos Actual Loss Sustained (optional)

BUSINESS LIABILITY INSURANCE
As a business owner, transactions can be very sensitive and filed with peril. That is why it’s so important to protect your business to the best of your abilities. Issues such as consumer lawsuits are often the biggest fear among business owners. While most liability policies do protect businesses from potential lawsuits, owners often find themselves without one. There are four types that you may fit your needs:
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Personal Liability
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Business Liability
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Professional Liability
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Public Liabilities
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Bodily injury (optional)
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Property damage (optional)
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Personal injury (optional)

COMMERCIAL AUTO INSURANCE
Regardless of how your commercial vehicles are being put to use, insuring them should be as much of a priority as insuring your personal vehicle. However, there is a difference between personal and commercial auto insurance. Not only do most businesses typically have more vehicles than an average policy would but there is also a business involved and a business that could suffer if your commercial vehicle(s) are not properly insured. Commercial auto insurance coverage may include:
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Comprehensive and Collision
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Emergency Roadside Assistance
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Liability
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Medical Payments
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Loss of Earnings
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Uninsured Motor Vehicle

COMMERCIAL PROPERTY INSURANCE
When most of us think of commercial property insurance, it's easy to think about the big, pricey items first. But, it’s often the smallest pieces of your business that are the most important. Luckily, a great commercial property insurance policy will help you weather the loss of vital property. With this policy, you will be protected for the replacement cost of all of your vital property. Here are some of the important aspects that commercial property insurance helps protect:
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Your building
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Your outdoor sign
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Your furniture and equipment
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Your inventory
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Your fence and landscaping
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Other’s property
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Completed value coverage
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Updated building codes
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Loss of business income
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Equipment breakdown coverage
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Flood insurance
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Utility services failure or damage
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Inflation allowance

CONTRACTORS INSURANCE
Contracting can be a dangerous occupation. Although there are many safety guidelines that come with the job, accidents always happen. When these unfortunate events do occur, why not be as prepared as possible. Especially at a job site, contractors are at risk for significant financial loss if they are uninsured. The list of coverage areas that need to be addressed in your contractors insurance include:
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Property in transit
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Workers Compensation
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Trucks and other commercial vehicles
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Errors and omissions

CYBER LIABILITY INSURANCE
Regardless of your line of business, you are always at risk of a cyber attack and/or data breach. Either of these are very expensive to reverse. It can range from a stolen laptop to a computer virus, sometimes it could just be the misuse of paper files. With a comprehensive cyber liability policy, you can feel confident you’re covered in case of data breaches and related issues, including:
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Data compromise protection to cover employee and customer information that is hacked or stolen
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Legal cost protection incurred by legal reviews or defense
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Forensic services to assist in determining the nature, extent, and perpetrators of an electronic breach
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Public relations costs paid for firms to review and respond to the potential impact of the data compromise
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Identity recovery protection to identity fraud victims and restore their credit history and records.
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Restoring and recreating data to your system

E&O INSURANCE
It’s not about your professionalism, training, or years of experience. It’s about human nature. Mistakes happen to the best of us, no matter how experienced. These days, you can be sued for anything. With an errors and omissions (E&O) insurance policy, you’ll enjoy specialized liability protection against losses not covered by traditional business insurance. The people who need E&O Insurance are:
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Doctors
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Lawyers
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Accountants
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Architects
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Engineers
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Wedding planners
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Printers
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Building-trades contractors
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Designers
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Advertising agencies

FARM & RANCH INSURANCE
Most people do not understand all of the work and commitment that goes into farming. Farms are often large with valuable equipment, sheds, and animals. It is important to know what your current policy covers, and whether you need more. We want to take some of the weight off of your shoulders by helping your farm operations stay insured. Policies can include:
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Harm homes
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Buildings
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Machines
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Equipment
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Livestock
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Disruption of farming operations
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Identity fraud expense coverage
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Earthquake coverage
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Farm machinery and equipment replacement
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Peak season coverage endorsement
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Sewer/sump pump backup
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Temperature sensitive endorsement
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Household property protection
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Rental reimbursement
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Equipment breakdown
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GPS equipment
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Cab glass repair or replacement
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Foreign object damage to combines
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Damage during towing and hitching
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Farm machinery contact with roadbed or ground
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Borrowed farm machinery
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Fire extinguisher recharge

LANDLORD PROPERTY & LIABILITY INSURANCE
Being in charge of maintenance, tenants, and the property itself, landlords have a lot on their plate. Which also means a lot they are liable for. With all of this liability you're more susceptible to lawsuits, which can often set landlords back financially. Landlord Liability coverage is there to protect you and your properties from these setbacks. Coverage can include:
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Tenant injuries
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Proper security for your tenants
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Unlawful behavior by tenants
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General Liability
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Fair Rental Value Coverage
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Inflation Protection
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Personal Injury Protection
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Lock replacement

LIQUOR LIABILITY INSURANCE
Owning a business that serves alcohol, whether in an established location or for a special event, always involves an element of risk. Liquor liability insurance protects you against loss or damages claimed as the result of a patron of your business becoming intoxicated and injuring themselves or others. If your business manufactures, sells, serves, or facilitates the use or purchase of alcohol, then you need liquor liability insurance coverage. Coverage can include:
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Liability claims against your business
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Litigation costs
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Attorney fees
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Liquor Legal Liability
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Host Liquor Liability Insurance Policies

RESTAURANT INSURANCE
Restaurant insurance helps protect you from the risks you face as a restaurant owner, so you can put your focus where it belongs: your food, your customers, and providing a great experience. Adequate restaurant insurance can help reduce exposing your restaurant to unneeded risk and ensures your restaurant is ready to do business with the following coverage:
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Property insurance
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Liability insurance
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Workers compensation
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Vehicle insurance
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Business interruption insurance
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Business Owners Policy (BOP)
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Workers' Compensation Insurance
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Business Crime insurance

WORKERS COMP. INSURANCE
Keeping your employees safe at work is important to most business owners. But when a worker does suffer an injury, workers compensation coverage provides your employees with protection they need, and also, provides you with peace of mind. Workers compensation insurance is often mandatory for many businesses if they have employees, no matter what the job requires. Workers compensation services may cover:
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Medical bills for employees hurt or sickened at work
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Ongoing care, including rehabilitation
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Wages missed while recovering
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Employee lawsuits over injuries
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Funeral expenses, if an employee is killed on the job
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Death benefits to support the deceased's family