Commercial — INSURHAUS

Commercial Property

Commercial Property provides protection for your building, its contents, and the income it produces. This coverage is often included with Commercial Liability in one policy under the Business Owner’s Policy (BOP) name, which results in premium savings. Insurance carriers have many different combinations of optional coverage and discounts on Commercial Property insurance with different risk rating systems. Your Commercial property or business is unique and requires individual attention and investigation to craft the right insurance product to protect your assets.

Please click on “Get a Quote Now” to receive a quick estimate, or contact us to discuss your individual needs. Our professionals will discuss coverage options and possible discounts while getting you a competitive quote. We will make sure you get the right product for the most reasonable cost.

Commercial Liability

Commercial Liability provides coverage for liabilities associated with operating a business both on and off site. This coverage is often included with Commercial Property in one policy, which results in premium savings. Each type of business has different risks and insurance carriers rate those risks in different ways. Other individual factors can impact the final insurance premium as well. Why not let our professional team navigate you through these jungles.

Commercial Auto

Coverage is available to protect your business from liability arising from the use of automobiles and many include coverage from damage to the vehicles you own. Vehicles are a very important component to most businesses. That is why it is very important to have the right auto liability coverage.

Small Business/Offices

Coverage is available to protect your business from liabilities associated with operating a business, business office exposure, business property, rented or owned building, business incomes, employees, etc. Properly written insurance coverage is extremely important to small businesses in order to protect your assets.

Workers Compensation (WC)

This coverage is designed to pay on your behalf the benefits mandated by the worker’s compensation laws of your state. This coverage includes medical and disability protection for injured workers, including employer’s liability protection. WC coverage is never included as a part of an insurance policy; it is always under a separate policy. That is because it is related to employee injures, it has more regulations and restrictions than other commercial insurances, and there are differences in regulations within each state. In some business areas WC insurance is, or can be, mandatory. These unique differences separate WC from the rest of the commercial insurances.

Umbrella

Umbrella and excess liability complements your liability program and provides additional limits of coverage above your general liability, auto liability, and other possible liability coverage you may have. Coverage and policy cannot state alone because it must have a supporting liability policy.

Bonds

Bonds are available to provide coverage against financial loss due to dishonesty of employees, disappearance or destruction of valuable instruments, property, or money. Bonds are often required by governmental entities in order to do business. Several bond forms are available to protect you against lack of performance and payment.

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