Business Insurance

COMMERCIAL GENERAL LIABILITY

A general liability policy helps protect your business from claims arising from alleged bodily injury, personal injury or property damage as well as provides protection for services you render or products you sell. Coverage payments can include judgments, attorney fees, court costs or other related expenses.

BUILDERS RISK

Are you engaged in the construction of structures exposed to special problems involving constantly changing values, special hazards associated with construction activities and a variety of interests involved in such projects? If so the Builders Risk policy provides coverage for your interests as well as the interests of others in buildings while under construction. Additional endorsements and extensions are included to ensure that adequate protection is provided.

COMMERCIAL PROPERTY

This coverage protects personal property owned by your firm and used in your operations. Buildings, business Income, furniture and fixtures, equipment and machinery, raw stock, and finished goods all fall within this category. In the case of catastrophes like fire, explosion, theft, or vandalism, property insurance helps cover your costs - whether it's to repair damaged property or replace what you've lost.

As the name implies, commercial property insurance is designed to protect you in the event property owned by your company is lost, damaged or stolen. In most instances, it covers the cost to repair damaged property and to replace what you've lost.

Different types of property insurance policies protect against different risks or perils, and they are often tailored to fit the needs of a particular business. However, there are two general types of policies: named-peril policies and all-risk policies.

BUSINESS AUTO

A business automobile insurance policy protects your company’s financial interests in its vehicles and its liability to others. This policy provides coverage for loss due to damage to vehicles owned, maintained or utilized by your company. We can help you customize additional coverage’s to the policy to fit your business needs.

WORKERS COMPENSATION

If your business has three or more employees, State law requires that you provide Workers Compensation for your employees. This provides coverage for accidents or disease arising from employment as prescribed by these state laws. Benefits can include lost wages, medical expenses and permanent disfigurement/disability payments.

Workers Compensation coverage will pay all sums that your company is legally obligated to pay because of bodily injury by accident or disease sustained by any employee arising out of their employment.

COMMERCIAL EXCESS LIABILITY

This policy provides protection against catastrophic liability claims. The policy acts as an excess coverage over your primary liability policies. Its limits apply in addition to that provided by the underlying coverage.

PROFESSIONAL LIABILITY

Professional liability coverage is used to protect your business against claims arising out of negligent acts as well as errors or omissions in the rendering or failing to render professional services as defined within the policy document.

MEDICAL MALPRACTICE

Medical malpractice insurance covers doctors and other professionals in the medical field for liability claims arising from treatment. Call us for detailed information about malpractice insurance.

DIRECTORS & OFFICERS

Directors and Officers coverage helps protect against claims arising from the negligent acts, errors or omissions alleged to have been committed by present or former directors or officers of your business.

LESSOR’S RISK

Lessor’s Risk provides liability and property coverage for building owners who lease out their property to others. Brand and Brand is experienced in working with property owners to provide a comprehensive policy for these coverages. For more information on this insurance, contact us.

LOSS CONTROL PROGRAMS

With our insurance company partners, we can evaluate your business’s current conditions and recommend ways to lower property, auto, workers compensation or liability losses. Lower losses will not only lower your insurance costs, but also increases your productivity by avoiding downtime.

QUICK CLAIM RESPONSE

When you do have a claim you need fast, fair service. As independent agents we work to make that happen. That’s why we only represent companies with excellent records for settling claims fairly and promptly. We, along with your insurance carrier, provide regular updates and information to help diminish the causes of claims, which may reduce your insurance costs.

Visit our Claims Info page for more details.

COMPETITIVE RATES

Many of the insurance companies we represent specialize in insuring specific types of businesses or industries, offering special coverage and pricing. To see if your business qualifies for one or these special programs, contact us for more information.

ACCOUNT REVIEW

We offer an annual review of your account, prior to your renewal, to ensure that you are receiving sufficient insurance safeguards, at a competitive price, through a financially sound carrier.

CERTIFICATES OF INSURANCE

Requests for evidence of insurance and certificates are processed the same day on which they are requested.

COMPLETE AGENCY BENEFITS

At your request, we will offer you with a complimentary consultation with one of our Commercial Lines Consultants, Personal Lines Consultants, Employee Benefits Consultants or Financial Planners.