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BUSINESS OWNER PACKAGE INSURANCE
BOP refers to “Business Owners Package” policy, which encompasses a majority of the commercial coverage necessary for most of small businesses. BOP is not a standard policy; however, various insurance companies offer different coverage under this plan. Certain items covered by BOP remain consistent and common. The very basic BOP provides property coverage for business assets and the physical building/location. It also offers liability coverage for your business’ operation. Such a liability typically offers coverage for both your business operation on-location, and coverage for completed operations or products/projects.
COMMERCIAL PROPERTY INSURANCE AND INLAND MARINE
Commercial property insurance is a special type of insurance that covers the company building as well as the contents owned by the company.
Some property has to be covered with an inland marine policy. It is made for itemized items like forklifts, tools, equipment.
BUSINESS INTERRUPTION
How do you survive a major fire or closure of your business after a water damage or legal action? Business interruption coverage will replace the loss of income. It can also include supplemental payments for key employees (i.e. a chef in a restaurant).
CYBER LIABILITY AND DATA BREACH INSURANCE
Hacking in your computer to steal client data and credit information is the fastest growing crime, not covered by most commercial insurance package. The Cyber liability and data breach policy covers attorney fees, forensic expenses, mailings, call center, credit monitoring, secondary liability expenses, contacting all your clients, cleanup costs, and so on. Any company selling online needs a Cyber liability agent like Insurance Agent, Jeff Lecoeuche.
PRODUCT LIABILITY, WORLD WIDE LIABILITY
Policy that pays for any damage or injury (within the limits of the cover provided) resulting from the use of the insured’s goods or services. manufacturing defect, design defect, a failure to warn (also known as marketing defects). Some commercial insurance includes it, some not. If you export to other countries you also need to have worldwide product liability coverage.
BUILDERS RISK
If you are a developer building subdivisions, or a contractor remodeling and flipping houses, or if you are doing extensive remodeling before opening your business, You need Builders risk. The policy covers buildings while under construction. It covers the contractor’s interest in materials at the job site before they are installed, materials in transit intended for the job, and the value of the property being constructed until it is completed and accepted by the owner. The policy may be written to cover the whole structure for new construction or the cost of remodeling and renovation projects. It can also be used to cover specific projects, such as a new room addition, a deck, or a remodeled bathroom.
CONTRACTORS LIABILITY
Contractors have very specific needs for each job they undertake. Typically each party to the job (i.e. cities, county, corporation) wants to be endorsed on the policy with precise requirements and wording. We make sure that your policy will comply with the demands and provide a prompt service.
We also write the bid and contract bonds you may need.
TECHNOLOGY INSURANCE
Technology insurance protection offers coverage options tailored to fit your Technology company’s unique needs.
In today’s technology-driven world, companies face a number of dynamic exposures. Whether it is faulty software, inappropriate advice, misconfigured firewalls or inadequate anti-virus software, hardware failure – companies are increasingly at risk. Claims are growing rapidly, leaving companies liable for expensive lawsuits.
Technology packages typically include liability, professional liability and many more coverage.
TRUCKING INSURANCE
We provide commercial truck liability, general liability, physical damage collision and comprehensive, cargo legal liability, personal effects, down time, rental re-imbursement and towing.
TAXICAB, LIMOUSINE AND TOUR BUS INSURANCE
We specialize in Taxicab, Limousine and tour bus insurance. There are few markets that will provide you the coverage you need and we have access to them. You work hard at running your business, let us find the right insurance package for you.
PROFESSIONAL LIABILITY, E&O, MALPRACTICE
The most common professions we think of are medical professionals, service industry (i.e. insurance agents, realtors, financial planners, CPA, fiduciary, attorney) Technology businesses (i.e. It consultants), publishers and many more.. Professional liability protects businesses or individuals in the event that a customer holds your company or business owner responsible for a service that was provided, or failed to be provided, and did not have the expected or intended results.
DIRECTORS AND OFFICERS LIABILITY
Directors of for profit businesses or non-profit organizations can be sued for mismanagement, fiduciary breach, and other performance issues. This policy protects the directors and officers from a lawsuit.
BUSINESS AUTO
When you own a business, you have a unique set of operation and protection requirements all your own. Especially for business owners that own and operate vehicles, Business Auto insurance provides coverage for your unique needs.
BUSINESS LIFE INSURANCE
What happens to your business if something happens to you? Make sure that your dream and your business live on by considering the options that a Business-Life insurance policy can offer.
CRIME
You never expected it to happen to your business. Your employees seemed honest, but now you’re fighting a lawsuit because someone used a client’s credit card information. Crime coverage helps protect your business from acts of dishonesty. Some policies include adjustable limits. If not, you need to purchase separate crime insurance.
GENERAL LIABILITY
A customer was injured while visiting your business and now you’re stuck with a pretty expensive medical bill. General Liability covers contractual, personal and advertising injury, as well as liability protection.
PARTNERSHIP LIFE INSURANCE
If you are in a partnership, you hope that it continues for as long as you own your business. However, should something happen to one of the partners, it’s important to have coverage to survive this loss. Partnership Life insurance can offer you the protection you need.
Property
You arrive to work early one morning, only to realize that your business property was vandalized during the night. Fortunately, you had customized Property insurance to cover such a loss. Your business is up and running again, and you hardly missed a beat.
WORKERS COMPENSATION INSURANCE
Losses from injuries that happen on the job, regardless of who’s at fault, can cost employers a great deal of time and money. Worker’s Compensation offers unique coverage for just such losses.
SOLE PROPRIETORSHIP LIFE INSURANCE
What if something happens to you and your business still has a lot of debt? Make sure that your estate is protected with Sole Proprietorship Life insurance.
STOCKHOLDER LIFE INSURANCE
Stockholder Life insurance can be used to create a pre-death, buy-sell agreement and to arrange the sale of stocks to remaining shareholders should something happen to one or more of the business owners.
SURETY BOND PROGRAM
A Surety Bond Program creates a contract for the fulfillment of an obligation. It gives some businesses an opportunity to grow in a way in which they couldn’t have without the program.
Common Question
Which policy is best for my business? There are many different variables for determining the best insurance products for a business. The insurance needs of a software company, for example, are far different than the needs of a car rental company. It’s best to speak with an agent to review your overall business situation and to go over coverage options that are best for your business.Contact me to learn more.