Business Insurance protects you from losses that can occur due to threats to your business.

• Commercial insurance has to cover every aspect of your business.  This may include property and auto as well as general liability,

Why you need Commercial insurance:

• If you own or rent a property to operate your business, you should have insurance to protect equipment, inventory and supplies, from fire, theft, or flooding.
• When you offer services or advice to your clients you may want coverage to protect you in the event that a dissatisfied client sues.
• Protect your business in the event that a client or employee gets hurt on your premises.

What you need to know:

• Your commercial insurance is going to be unique to your business.
• If you have a home based business, your house insurance policy is not sufficient to cover losses or liability related to your business.
• Whether you have a large or small operation, our brokers will help you get the right coverage for your business, from property to auto, and we will help you understand your policy.

Bonds can help you win contracts, enhance your professional opportunities, and grow your business.

• Bonds are separate from insurance.  Insurance is available to anyone, however bonds are only available to those who qualify.
• Bonds ensure that you’re capable of fulfilling your business obligations.
• Bonds offer an extension of credit by a surety, or bonding company, to an individual contractor.
• Bonds involve:
  • Obligee:  The oblige receives the surety’s guarantee that the principal will fulfill an obligation or perform as promised.
  • Principal: the principals obligations or performance is guaranteed by the surety.
  • Surety:  The surety guarantees to the oblige that the principal will fulfill an obligation or perform as required by the contract, permit or law.
• There are many different types of bonds, so let our experienced brokers help determine what you need and if you qualify.