As a business owner you will want to protect the value of the assets you purchased for your business.

A BOP policy covers you for property damage, business interruption and liability insurance. Property damage can cover your building, equipment, inventory, etc. Business interruption covers your lost business income in the event of a covered loss. Liability coverage for most liability lawsuits that arise.

Give us a call! We are very happy to review your current policies that are with us or with another agent.

Your agent will be able to advise you on the insurance policies needed. Most states require your business to purchase workers compensation insurance to cover your employees. If you have business owned vehicles, you will need a commercial auto insurance policy.

One of the best ways is to have your agent review your policy. We have multiple carriers we can quote your policy with. We also recommend bundling your insurance with the same carrier- not only your commercial but your personal as well.

Contact us- We will collect some details and get that certificate out as soon as possible for you.

You can contact the agency to discuss your changes. We are always here to help!

It’s usually best to report the claim to your agent, but you can also submit claims directly to the carrier via their website.

We can not but we have a local individual who we can refer you too!

This is an agreement between two parties in which one party agrees to waive subrogation rights against another in the event of a loss. This is most common in contractor policies where there are General Contractors and Sub Contractors involved. It would be in place to prevent one parties insurer from pursuing subrogation against the other party.

You would need to purchase an inland marine policy (no its not for boats). These types of policy would normally cover all types of property regardless of location.

When you are operating a plow or driving down the road, your commercial auto policy responds in the event of a claim. IE property damage, collision. When you are done plowing, that is considered a completed operation. If someone were to slip and fall on your completed operation, the commercial auto policy DOES NOT cover this. You would need liability insurance.

Most commercial plates expire on December 31st of each year. If you are not able to renew your registration online- we can help!

It provides a layer of protection over your general liability, auto liability and workers compensation liability insurance.

This coverage protects the business owner against claims by an employee such as harassment, discrimination, wrongful termination, etc.