Commercial property insurance plans vary from policy to policy, but are essentially categorized by the type of event leading to a loss, and by what specifically is insured. Basic property insurance usually covers losses caused by fires or explosions, theft, damage from vehicles or airplanes or acts of vandalism.
General Liability Insurance can cover the expenses related to non-employee injuries that happen on your property, damage you cause to someone's property, and advertising mistakes. In other words, it can cover some of the common lawsuits that arise from everyday business activities, such as renting property, working with clients, and interacting with customers.
We are an independent insurance agency. We have markets for all types of personal and commercial insurance including but not limited to Homeowners, Automobile, Workers Compensation, Liability, Flood, Umbrella, and much more.
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We Specialize in providing commercial insurance for all types of small businesses. We make sure you have the best coverage at the best price.
An absolute professional that you can trust with your insurance needs!
Tracy Robinson is warm and professional with 30 years in the insurance industry. She won’t tell you things that are not true and excels at commercial insurance. I trust Tracy with my insurance needs.
Tracy Robinson is so knowledgeable about business and homeowners insurance! After sitting down and speaking with her I had a much better idea of what I needed to do regarding my homeowners coverage. Glad to find someone I can trust!
Business insurance is required by law, but only under certain conditions. The following business insurance is required by law if it is applicable to your situation: Workers compensation insurance: If your business has employees, you are most likely legally obligated to carry workers’ compensation insurance, either on a self-insured basis or through a commercial insurance carrier or a state worker’s compensation program. Workers compensation laws vary by state. Professional liability insurance: Some states require specified professionals to carry insurance against professional liability.
Depending on the nature of your business and any insurance which you are legally obligated to carry, the following types of business insurance should be considered essential: General liability insurance: Coverage against accidents, injuries and negligence claims Product liability insurance: Coverage against product defects Professional liability insurance: Covers professionals against malpractice, negligence or errors Commercial property insurance: Covers against damage to your business property, such as from fire or a severe storm Business interruption insurance: Protects your business if you are no longer able to conduct your business because of a loss Home-based business insurance: Covers against general or professional liability. Employment practices liability insurance: Coverage against claims for labor violations and harassment. Cyber liability: Coverage against breaches of privacy and cyber crimes Because commercial insurance is subject to various exclusions, it needs to be tailored to each business based on risks and exposures. It is critical to work with an agent who will get to know your company and ensure that your coverage adequately protects your business investment.
There are a number of factors you should consider when purchasing any product or service, and insurance is no different. Here is a short list of things you should consider when you purchase homeowners insurance. First and foremost, purchase the amount and type of insurance that you need. Remember that if your policy limit is less than 80% of the replacement cost of your home, any loss payment from your insurance company will be subject to a coinsurance penalty. Also, determine the amount of personal property insurance and personal liability coverage that you need. Second, determine which, if any, additional endorsements you want to add to your policy. For example, do you want the personal property replacement cost endorsement, the earthquake endorsement, etc..?
Commercial auto insurance provides protection for any vehicle designated for business use against both property damage and liability. Whether you drive a vehicle that is for dedicated business use or drive a personal vehicle for business, it is important to have commercial auto insurance, as your vehicle will not covered under a personal auto policy.
A standard homeowner policy provides very limited coverage. Loss of business property is normally limited to $2,500 in coverage and will barely replace your computer and media coverage in the event of a loss. Normally, this business property coverage is limited to your premises only and is not covered if inventory is taken off the property. There is no coverage for a liability loss under your homeowner’s policy. Therefore, if you have clients visit your home or even if your mailman falls and injures himself delivering business as well as personal mail, your homeowner’s policy will not respond to cover the business if named in the suit. You need to either purchase a rider on your homeowner’s policy, if available for your type of business, or a general liability insurance policy.
In this litigious society, insurance issues are very complex. It takes many years for an individual to acquire the knowledge as to what coverage is needed to protect a business and how to handle the different situations that occur. Most business owners are experts in their field. How can you try and run your business and be an insurance expert at the same time? Our staff is constantly taking continuing education to provide you with the best possible knowledge in any given instant. It is also important that you have a buffer between you and the insurance company. We know how to handle claims and audits. We work for you to make sure you are treated fairly from the original purchase of the policy and during any potential claim. As an independent agent, we can decide year to year if you might be better served to move the coverage to a different carrier. We can review all the options for you and make the best choice. You are not locked into one insurance company.