Retail Business Insurance

Retail businesses are usually required by the landlord if they are a tenant or by a bank if they have a lien on the real or personal property of the business to get business insurance. Besides that it’s important to insure your business for acts of god or to cover third party accidents that can put you in a lawsuit such as slip and falls.

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General Liability Insurance

General Liability consists of coverages which protect an insured against third party claims for property damages or bodily injury.

Insurance Coverage Options:

  • Per Project Aggregate (new limits per project)

  • Blanket Additional Insured

  • Blanket Waiver of Subrogation

  • Broad Definitions of who is Insured

  • Broad Definition of Territory

Workers Compensation

Workers Compensation covers injuries to your Employees while in the course of Employment. Most states require workers comp.

Coverage Options:

  • Multi-State coverage

  • Meets all state guidelines

  • Hazardous industries coverage available

  • Blanket Waiver of Subrogation

  • Pay as you go solutions available

Commercial Auto Insurance

Commercial Auto Liability and physical damage protects your vehicles from physical damage and protects you from claims from third parties caused by bodily injury or property damage.

Coverage Options:

  • Blanket Additional Insured

  • Named Coverage for Owners of Company

  • Broad Coverage Territory

  • Hired/Non-Owned Automobile

  • Auto Pollution Available for Chemical Applicators

  • Automatic coverage for Large Fleets (no reporting required)

 

Commercial Umbrella

Commercial Umbrella/Excess Liability is a coverage that extends the limits of  your underlying covered policies like General Liability, Workers Compensation, and Commercial Automobile to a higher limit than is available with the underlying policy limits. 

Coverage Options:

  • High Limits Available (min $1,000,000 up to $100,000,000)

  • Following Form or Full Umbrella based on risk and size

  • Blanket Additional Insured

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Property Insurance

Additional Available Coverage: