Insurance We Offer

• Commercial General Liability:
  Protection from lawsuits related to client injuries and/or damage to a rented space
• Professional Liability:
  Otherwise known as Errors and Omissions Insurance, this protects businesses from mistakes made as part of their professional services
• Commercial Auto:
  Coverage for vehicles your clients' use for their businesses like vans, food trucks, trailers, etc.
• Cyber Liability:
  Coverage for data breaches, including customer personal data, credit card information, emails, etc. provided to the insured
• Special Event Coverage:
  A short-term policy for a special event like a trade show, wedding or work retreat
• Business Owners Policy (BOP):
  Combo policy covering business property, business location, liability, equipment as well as business interruption coverage

•  Protecting Your Home, Securing Your Future. 

Homeowner's insurance is a crucial type of coverage that protects your property, personal belongings, and financial well-being in the event of an accident or unforeseen disaster. Whether you own a house, townhouse, or condo, homeowner’s insurance helps you recover from situations like fire, theft, vandalism, or natural disasters. It's designed to give you peace of mind knowing that you're covered in the event of damage or loss.

Car insurance is a type of coverage that protects you from financial loss in case of an accident, theft, or other incidents involving your vehicle. It's designed to provide peace of mind while ensuring that you are financially protected against unforeseen events on the road."

If your business deals with fleets of vehicles or has employees driving as part of their job, emphasize the importance of insurance:

"For businesses that rely on vehicles—whether it's a fleet of delivery vans, company cars, or personal vehicles used for work—having the right car insurance is essential. Not only does it protect your vehicles and assets, but it also helps manage risks, ensures compliance with the law, and safeguards employees and third parties in case of accidents."

Provide a breakdown of the different types of car insurance coverage that are available. Common types include:

• Liability Insurance: This is typically required by law. It covers damages or injuries that your vehicle may cause to others. It is essential for protecting your business from third-party claims.
• Collision Insurance: Covers repairs to your own vehicle after a collision, regardless of who is at fault.
• Comprehensive Insurance: This covers damage to your vehicle caused by non-collision events, such as theft, vandalism, or natural disasters.
• Uninsured/Underinsured Motorist Insurance: Provides coverage if you're in an accident caused by a driver without sufficient insurance.
• Personal Injury Protection (PIP): This covers medical expenses for you and your passengers, regardless of who is at fault.
• Commercial Auto Insurance: This type of insurance is designed for businesses that use vehicles for work purposes. It covers a fleet of vehicles or any vehicle used for company operations.

Provide guidance on how a business owner can choose the appropriate coverage:

"Selecting the right car insurance for your business depends on several factors, including the number of vehicles you have, the types of operations, and how frequently vehicles are used. Consider the following when selecting coverage:

• The value of your vehicles and how they are used.
• Whether you have employees driving company vehicles.
• The legal requirements in your state or region.
• Your risk tolerance and how much protection you need for each vehicle."

Explain the advantages of investing in car insurance:

• Financial Protection: "Car accidents can be expensive. Without insurance, a single accident could cost your business thousands in repair costs, medical bills, and legal fees."
• Legal Compliance: "In many areas, carrying at least some form of car insurance is mandatory. Non-compliance can result in hefty fines or loss of business licenses."
• Employee Safety: "Business insurance protects not just your vehicles, but your employees, ensuring they are covered in case of injury during work-related driving."
• Peace of Mind: "Knowing your business vehicles are protected lets you focus on operations without the constant worry of an accident or damage."

Provide insight into what can affect the price of car insurance:

"The cost of car insurance for your business can vary depending on:

• The type and age of your vehicles.
• The number of vehicles in your fleet.
• How frequently vehicles are used.
• Your business's claims history.
• The level of coverage you choose.