Business Owners Policy

If you own your business then you know that covering your commercial property, business personal property, and commercial liability is critical. Do not put yourself at risk by underinsuring what you have worked so hard for. Our agency is a small business just like yours, so we have the expertise to customize a policy to fit your needs.  We specialize in insurance policies for the following types of businesses.

Retail

Automotive accessories stores, supply stores, bookstores, bridal stores/formal wear, bike shops, clothing stores, cosmetic stores, donut shops, pizzerias, dry cleaning, florists, gift shops, ice cream/yogurt shops, coffee shops, juice shops, musical instruments, pet supply stores, photography studios, picture framing, sewing machine sales and repair, shoe repair and sales, tailors/dressmakers and more.

offices

Chiropractors, dentists, dental labs, accountants, appraisers, consultants, attorneys, bookkeeping, court reporters, dietitians, distributors, escrow offices, real estate offices, inspection and appraisal offices, mortgage brokers, financial planners, graphic artists, health information and referral services, insurance agencies, lawyers offices, optometrists, answering services, and travel agencies.

restaurants

Quick service, cafe’s, specialty food shops, bakeries, candy shops, coffee shops, sandwich shops, pizza places, fast food, family style and white linen/fine dining establishments.

services

Beauty salons, nail salons, barber shops, cabinet makers, watch/clock repair, computer consultant, dry cleaners, art schools, carpet cleaners, wallpaper hanger/painters, machine/metalworker shop, engravers, printers and computer graphic designers, automobile body repair/collision shops, automobile service shop, and veterinarians.

COVERAGE

Commercial Liability

Covers damages to bodily injury, property damage, personal and advertising injury, products and completed operations and medical expenses that is your business is held liable for.

Building Coverage

If you own the building you occupy to run your business, your policy should also include coverage for the commercial building.

Business Personal Property

Covers your moveable business personal property such as office supplies, furniture, computers, electronics, machinery/equipment, etc.

Business Income Coverage

Helps cover lost income when you have to close your business due to a covered insurance loss.

Employment Practices Liability

Protects you when an employee makes a claim against you or your business for invasion of privacy, discrimination, harassment, retaliation or wrongful termination. This valuable coverage can be added for an additional premium.

Optional Coverage

Data Breach, Cyber Liability, Equipment Breakdown, Employment Practices Liability, Employee Dishonesty, Damage to Premises Rented to you and Tenants Glass Coverage can be added for an additional premium.