Business Insurance

Designing a comprehensive insurance strategy for a business requires that care be taken, by an insurance professional, to learn about the operations of your business for the purposes of identifying the property & liability needs unique to your business and establishing the most favorable means of rating your insurance. 

Once these factors have been properly determined, we will present an insurance plan to address your specific needs while addressing the three types of insurable threats common to all businesses.


Direct Losses to Property

These losses are easy to define and the amount of loss is easily measured. Property insurance provides coverage for losses sustained which are caused by specific perils. In most instances, the value of the property has been established long before the loss occurs. Therefore, by nature, these losses are finite and limited to the value of the property and extra expenses incurred a result of the loss to the property.


Liability Losses

Liability exposures, unlike property, pose an even greater risk to your business since the dollar amount associated with a such a loss is unknown.


Loss of Income

From a business insurance perspective, loss of income can result from either a property loss or it may be related to either; the inability for you or a key employee to perform the assigned business functions due to premature death, illness or disability.  In addition to adequate business property and liability insurance, Life, Health & Disability Insurance products are important to a well balanced insurance portfolio.