Workers' Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.
Workers' Compensation provides for the payment of four types of benefits:
A representative can provide you with complete details on Workers' Compensation insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.
Business Auto coverage insures vehicles that are owned, leased, hired, or borrowed by businesses, whether they are associations, corporations, partnerships, or sole proprietorships. Business Auto coverage may be used to insure private passenger automobiles and all types of trucks, trailers, semi trailers, and commercial vehicles designed for use on public roads. We can give you more details about specific coverages, deductibles, and tailoring a Business Auto plan that is right for you and your business.
Casualty insurance consists primarily of liability coverage, which protects an insured party against injury or damage claims made by other parties.
Policies provide coverage for liability arising out of:
You may want to consider a Business Owners Package, which combines your liability, property, and other types of coverage into one comprehensive policy. This can help you save time and money on your total insurance program. Also, since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these such plans and if they would make sense for you and your business.
We offer insurance packages that are tailored for different types of businesses. 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 covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies, and other physical items.
Property insurance may cover two types of property losses: