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Working hard and being a business owner go hand in hand — you invest your time, money, and effort toward keeping your property maintained, encouraging safety among your employees and providing your customers with quality goods and services. That’s why it’s so important to protect your business.

There are numerous policies designed to protect business owners, the options available vary based upon the type of business you run.

Property & Liability options include:

• Business Owners - usually more broad in terms of coverage than options below

• Commercial Package - may not include as many coverages as Business Owners

• Special Multi-Peril - more limited in scope of coverage than above options

• Commercial Fire & Liability - most limited form of property/liability coverage

The main components of these property & liability packages are typically:

• Building & Business Personal Property-covers your building (including foundations) and business personal property.

• Business Income Coverage-reimburses you for loss of income due to a covered loss.

• General Liability Coverage-covers you against claims resulting from your business operations, including associated defense costs.

Other lines of coverage include:

• Workers Compensation - on the job - medical expenses & % of lost wages

• Disability - off the job - % of lost wages only

• Commercial Automobile - business use automobiles

• Inland Marine - scheduled equipment or special personal property

• Commercial Umbrella - excess liability coverage

• Professional Liability - errors & omissions coverage for your line of work

• Directors & Officers Liability - for non-profit and for-profit operations

• Employment Practices Liability - discrimination & harassment coverages

Contact Wendy Lawlor or David Burns to review your business or non-profit insurance options.