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Business Insurance

We will help you protect your most valuable asset - your business! The Business Owners Policy (BOP) is designed for business owners who want property and liability protection under one policy. The BOP combines comprehensive property and liability protection under one simple policy. You select the coverages and options important to you, including:

  • Building values
  • Contents or business personal property values
  • Business liability limits
  • Loss of business income limits
  • Property loss deductibles
  • Optional coverages and endorsements specific to your business

Business Auto Insurance

Some businesses own vehicles used in their daily operation. If those vehicles are titled in the business name, and if an individual uses the vehicle primarily for business use, a business auto policy is needed to protect the business from liability concerns on the road. Business auto rates, in part, are affected by:

  • Size and type of vehicle
  • Operating radius
  • Driver and his/her record
  • Coverage limits
  • Physical damage and deductibles

Workers Compensation Insurance

State law requires Workers Compensation (WC) coverage for all employees. Whether part-time or full-time, employees are covered on the job for work-related injuries and lost time from work. WC rates are affected by:

  • Job classification
  • Total payroll for each job class
  • Experience

Inland Marine Insurance

List your valuable pieces of equipment and tools on your BOP, or schedule them on a separate Inland Marine (IM) policy. Scheduled coverage allows you to list specific valuable pieces or blanket those equipment and tools.


Individuals and businesses need bonds to guarantee performance of a particular job or event. A bond is generally undertaken by a third party promising to pay if a contractor does not fulfill its obligations under a contract. Bonds are generally divided into two types: fidelity and surety bonds. Both types differ from insurance in that they always have three parties as central to the contract:

  • Principal - the entity or person that might cause a loss
  • Obligee - the entity that collects under the bond, should the principal cause a loss
  • Surety - the entity that pays the loss, such as an insurance company

Fidelity bonds are issued as a guarantee against loss due to employee dishonesty (individual bonds, scheduled bonds, blanket bonds, and discovery bonds). Surety bonds are issued to cover a wide range of actions and other situations (contract bonds, court bonds, federal bonds, license and permit bonds, public official bonds, and other bonds).