Critical for the long-term survival of your business.
A comprehensive business insurance policy is critical to protect your business property, capital equipment investments, employees and profits. Business insurance policies with the appropriate coverage can protect your business in the event of natural disasters, fire, vandalism and its aftermath. Insurance can help look after employees from loss of income due to accidents on the job and protects you and your company from legal claims.
There may also be many different safety regulations governing some businesses to consider, particularly those that utilize vehicle fleets, heavy or dangerous equipment, as well as the handling and use of dangerous chemicals. Stewart, Brimner, Peters, Lear has expertise in numerous different industry specific policy requirements to make sure you have taken every detail into account and are fully protected in case of an accident or injury.
There are a number of different business insurance options and your Stewart, Brimner, Peters, Lear insurance professional can help explain which options are available to you and are best suited to your particular business and situation. As an independent insurance agent, your SBPL insurance professional can work on your behalf with many different insurance companies and not be obligated to just one. So, after a comprehensive business and policy review, SBPL will engage a number of the industry’s top rated insurance companies and find the right insurance coverage for your business at the very best price. Some insurance coverage options to be considered are:
Liability insurance covers the cost of lawsuits and settlements for general, product and professional liability brought on by an accident or injury caused by malpractice or a safety violation. There are two ways liability insurance can help protect you. First is for the cost of legal defense needed in the event of a lawsuit. Second is financial coverage for the settlement or damages that may be awarded to the plaintiff.
Commercial Property Insurance.
Commercial property insurance usually covers damage caused by wind, water, fire and vandalism to your businesses property and contents. It is not only important to protect against disaster when it happens, but is very important for businesses to consider what happens to business operations ‘after’ disaster strikes. To ensure protection for your company’s sales and profits after business has been interrupted due to an unforeseen event, many companies opt for Business interruption insurance policy to cover lost profits and additional expenses.
Worker’s Compensation Insurance.
Worker’s compensation insurance not only protects individual employees’ medical care and lost wages in the event of an accident or injury while on the job, but proper coverage helps protect your business too. Most states require Worker’s Compensation Insurance coverage and SBPL can help you decide which Worker’s policy is right for you and how much coverage is adequate.