Business Insurance

Our commercial insruance is run through our parent company, who is in-house as Integrity Risk Managment

We provide three easy ways to get a quote.

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As a business owner you have a lot to think about. There are many unique challenges that you need to deal with and choosing the right insurance is one of them. Making the right decisions on your insurance can protect all of your hard work and with the help of a knowledgeable agent, it can be straightforward and simple.

Business Insurance 101- the Basics

What do I need to know?

Business Insurance is made up of a few different coverages. Here are a few things to make sure you have.

Most common types of business insurance products

  • Liability- provides coverage in case of a lawsuit.
  • Property- covers property (non itemized)
  • Umbrella- also refered to as Excess Liability, this provides additional liability.
  • Workers Compensation- Covers claims made by your employees who are injured on the job
  • Inland Marine- Covers specific equipment and property.

Most common types of business insurance products

Applies to injuries that you, the designated driver or policyholder, cause to someone else. This is one of the most important parts of your policy. Being underinsured here can literally cost you thousands of dollars. Here are some limits you will see as you shop. If there is any place you need to splurge it is here.

Whats a BOP (Business Owner Policy)?

Small businesses can take advantage of a Business Owners Policy (BOP), which bundles together property and liability insurance for a reasonable rate. A BOP offers property coverage for standard risks, such as theft or fire. Some perils are usually excluded, including flood or earthquake damage. The BOP will also cover costs for business interruption, including payroll. Last, it will pay to replace equipment, inventory, property, or other assets that are destroyed, damaged, or stolen.

A knowledgeable agent is a business owners most valuable asset and can help you avoid hidden costs or fees, and can also help you identify the potential risks associated with your company and tailor your policy package to meet those specific needs.

Integrity Personal Insurance - Business Insurance

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