Q : What is the most comprehensive policy available for small businesses?
A : The Business Owners Policy is the most widely used form of coverage. It provides coverage for building and contents, loss of income, and general liability up to policy limits. Separate policies for business auto, worker's compensation, bonds, and other business exposures are also available. Your agent can tailor these coverages to the needs of the specific business.

Q : Why should I package all my insurance?
A : By packaging all of your insurance policies you can achieve significant savings.

Q : What do I need to know about Business Insurance?
A : Commercial insurance is designed to help protect many of the risks your business can face, including: damage or destruction to your business vehicles, office equipment, and inventory. Loss of income in case you have to close-up shop temporarily because of a covered loss and crime coverage including robbery, burglary, even employee dishonesty.

Q : What are my coverage options?
A : Our agents have a wide range of coverages available, as well as an array of choices for limits and deductibles. If you own a small or large business, our agents will help you in tailoring a business package policy that may be more appropriate to you. Consider enhancing the basic coverages with specialty markets.

Q : What are the benefits of Business Owners Insurance?
A : Commercial insurance is designed to help protect many of the risks your business can face, including:

• damage or destruction to your business vehicles
• certain liability exposures resulting from the operation of your business vehicles
• damage or destruction to your office equipment or inventory
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• loss of income in case you have to close-up shop temporarily because of a covered loss
• certain business related liability exposures such as, wrongful entry or search, libel, slander and even certain offenses arising out of your business’s advertising
• risks to your cargo while in transit or storage
• theft or loss of tools and equipment
• crime coverage including robbery, burglary, even employee dishonesty

Q : What are the Benefits of Liability Insurance?
A : General Liability Coverage includes:

• Bodily Injury Liability Coverage: Help protect you incase injuries occur to other people resulting from your operations.
• Property Damage Liability Coverage: Protection incase damage occurs to the property of others.
• Personal Injury Liability Coverage: Helps provide you with protection for offenses such as false arrest, libel, slander and wrongful entry.
• Advertising Injury Liability Coverage: Helps cover your legal liability for a variety of offenses arising out of the advertising of your business’s goods and services.