Business Solutions
It’s important for every business, no matter the industry, to include insurance that encourages a positive work environment for employees and professionalism that other business’ want to work with.
It’s important for every business, no matter the industry, to include insurance that encourages a positive work environment for employees and professionalism that other business’ want to work with.
Auto Repair Shops
As the owner of an auto repair shop customers put the safety of their vehicle in your hands and into the hands of your employees.
Unfortunately, things don’t always go as planned:
• Business interruption
• Damage to a customer’s vehicle while in your care
• Employee theft or crime
• Faulty workmanship or parts
• Fire, bad weather, vandalism or theft
• Slips and falls
• Worker illness or injury
It’s important to have business insurance for these reasons, as well as others. The basics of auto repair shop business insurance include:
• Business Auto Insurance
• Business Interruption Insurance
• Business Property Insurance
• Garage Keepers Insurance
• Garage Liability Insurance
• Property and Equipment Insurance
• Worker’s Compensation
All business owners should protect their livelihood by enlisting in an insurance policy and coverage. Give us a call today to make sure your shop is covered in case something unfortunate happens.
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Daycare
Meet the unique needs of owning a child development center by enrolling in daycare insurance. From slips and falls to workers compensation injuries, liability insurance can keep a lawsuit from causing financial devastation to the business you’ve worked so hard to build.
• Liability Protection:
• Abuse and Molestation Liability
• Commercial Vehicle Liability
• Corporal Punishment Liability
• General Liability
• Non-Owned or For-Hire Auto Liability
• Premises Liability
• Professional Liability
• Umbrella Liability Protection
As the owner of your center, you’ve invested in equipment and other materials to keep your children stimulated throughout their day. Ensure this property through property insurance.
• Building Coverage
• Contents Coverage
• Outdoor Equipment Coverage
Consider other types of coverage that assist in rare events as well:
• Accident Medical Coverage
• Alienation of Affection
• Field Trip Insurance
• Lost Income Insurance
• Special Events Liability Coverage
• Worker’s Compensation
Most development centers are owned and operated by hard-working individuals who care about their business and children. Give us a call to discuss your current daycare program to ensure you are protected at a fair rate.
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Employee Benefits
Acquiring and setting up benefits for your employees requires two things: a benefits provider and a list of benefits you want to offer. This list of benefits includes:
• Dental and Vision Insurance
• Health Insurance
• Life and Disability Insurance
• 401K and Retirement Plans
It’s important for every business, small or large, to provide appropriate benefits to employees; this encourages longevity with the company and a positive work environment. Are you interested in owning a leading business in your industry? Give us a call to take the next steps in setting up your business’ employee benefits.
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Fitness Training
Health risk and injury are something that all fitness center owners and managers need to prepare for. Consider the ten types of coverage needed:
• Business Income and Extra Expense Coverage
• Business Personal Property Coverage
• Employee Dishonesty, Money and Securities Coverage
• Equipment Breakdown Coverage
• General Liability
• Occurrence Policy
• Participant Liability and Accidental Medical Coverage
• Premises Liability Coverage
• Professional Liability
• Workers’ Compensation
Review your policies at least once a year and update as needed. As time goes by, your facility could grow to include different types of machines that will require different types of coverage. Give us a call today to discuss your policy and how we can tailor it to meet your current needs.
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Nonprofit Organizations
Nonprofit organizations and other social services strive to make the world a better place. Even if your purpose isn’t profit-oriented, however, your organization still needs to be protected.
Types of insurance that are commonly used in nonprofits include:
• Automobile Insurance
• Cyber Liability Insurance
• Directors and Officers Liability Insurance (D&O)
• General Liability – Premises Liability Insurance
• General Liability – Product Liability Insurance
• Professional Liability Insurance
• Sexual Misconduct Liability
• Volunteer Liability
These are just a few of the insurance possibilities that could benefit your nonprofit organization. Our insurance experts are ready to help you build a custom plan that keeps your purpose at the forefront while monitoring risk as needed.
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Restaurants
As the owner or manager of your restaurant customers believe in the cleanliness of your business and where they’re eating.
While all restaurants are required to have insurance, take note on the following before enlisting in a coverage plan:
• Equipment used
• Food you serve
• Number of employees
• Restaurant location
• Size of your business
Answering these questions will assist you in aligning your business with the appropriate kind of insurance:
• Automobile Liability Insurance
• General Liability
• Inventory Insurance
• Life Insurance
Coverage is also available for damages to your property. This can include crime, certain weather events, electrical problems and fire and are called:
• Building coverage
• Contents coverage
• Equipment breakdown coverage
• Food contamination coverage
Other coverage options include:
• Coverage against employee crimes
• Loss of income coverage
To protect against poor customers and employees, all restaurant owners should enroll in an insurance policy and coverage. Give us a call today to make sure your eatery is covered.
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