BUSINESS & COMMERCIAL

Business & Commercial Insurance Quote Forms

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Business Insurance Information

Business Insurance

As a business owner, you have enough on your mind without having to worry about your insurance needs. No two industries are alike, and neither is the insurance. You need to have confidence that the business you’ve built is covered by a company that understands your business insurance needs.

Commercial business insurance provides a wide-range of protection for businesses and their subsidiaries. There are various types of commercial business insurance that take care of property, liability, and worker’s compensation, just to name a few. While property insurance covers damage to business property and the products stored within the premises; liability insurance provides coverage for damages to third parties; and worker’s compensation insurance cover injuries to employees.

Commercial business insurance is an important aspect of any business that cannot be ignored. Whatever your commercial insurance needs, we can design a protection program that’s right
for you.

Auto insurance provides property, liability and medical coverage:

Property coverage pays for damage to or theft of your car. Liability coverage pays for your legal responsibility to others for bodily injury or property damage. Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses. An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.
Why do you need auto insurance?

It's really all about protecting yourself financially. If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it. If you or any passengers are injured in an accident, medical costs can be extremely expensive. If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth. Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
Questions to ask your agent

Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion: How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.) What is the insurance company's level of service and ability to pay claims? What discounts are available? (Ask about good driver, multiple policy and student discounts.) What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

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