Business Commercial Insurance
Business Commercial Insurance, Are you a small business owner or plan administrator? We’ll work with you on competitive commercial coverage plans.
Commercial Business Insurance program is essential to a good business plan. Coverage, service and pricing are all critical components of the overall value of a Commercial Business Insurance program, To us business is about relationships. We take the time to get to know our customers and build a solid foundation from the beginning so that we can properly address all their commercial insurance needs.
We offer a wide range of Commerical Business Insurance Products to suit your business needs. No matter the size of your business, we can find the right coverage for you. We can provide you with a commercial insurance policy that will provide peace of mind and real protection for your business. We will take time to examine your business to determine the precise type of coverage you need based on your specifics. Our Commercial Business Insurance coverages are.
Contractor General Liability
Commerical Property Builders Risk
Liquor Liability Workers Compensation
Childcare/Daycare Commercial Business Insurance
Church Insurance Commercial Auto Insurance
Church Properties Night Clubs
Natural Disaster Planning For Your Business.
As a business owner, you know that some challenges are expected while others may appear with little or no warning. Don’t let a natural disaster catch you unprepared. Here are some steps you can take to protect your employees, secure your assets, and get your business back up and running in the event of a natural disaster. Protect Your Employees The safety of all onsite employees and visitors should be your first priority. Take the time to plan evacuation routes and exits from your facility and mark them accordingly. Installing proper emergency lighting will help show the way in case of power failure. You may also want to designate staff “safety wardens” to guide and assist any emergency efforts, including regular drills. For some emergencies, taking shelter is the proper response. Identify appropriate shelter spaces in your facility and make sure that they are kept clear of any items that would limit their capacity or safety should their use become necessary. For more information about emergency life safety procedures, visit the Federal Emergency Management Agency (FEMA). Secure Your Assets Effective disaster preparedness means protecting your critical business assets. These may include your facilities, equipment, software, and data. Depending on where you are located, there may be measures you can take to harden your facility against natural disasters. Contact a qualified contractor to discuss risk mitigation construction techniques for your building or office. As an added precaution, you may also want to research places where you could temporarily relocate your operations if disaster strikes. To protect other physical assets, it’s important to maintain a comprehensive, up-to-date inventory of the items and equipment used in your business. You may also want to videotape these items and then store both the inventory and the video in a safe location, away from your property. Digital assets are increasingly important for all manner of businesses. Instituting regular backup procedures for critical software and data will help ensure that your business maintains access to the digital infrastructure it needs. Get Up And Running Following the disaster, you’ll want to resume business as quickly as possible. Keep a name and telephone number list of contractors or repair firms who could make emergency temporary repairs or board up windows should some of your buildings be damaged. You’ll also want to maintain a list of key suppliers, creditors, customers, and employees you need to contact about the state of your operation. Finally, construct a financial plan to cover continuing payroll expenses and debt obligations –
Please allow 24 hours turn around time on all Commercial Quotes.
If you’re in IT, consider E&O business liability insurance
Learn how IT professionals can get protection against lopsided expectations and lawsuits with business liability insurance like E&O.
Business Liability Insurance for IT Professionals Protects Against Errors and Omissions
Imagine if your Information Technology firm designed the data security system at a mega retailer that was hit with a costly data breach. It wouldn’t take long for your embarrassed client’s attorneys to point the blame at your company. Soon, you could be facing an expensive lawsuit that could very well destroy everything you’ve worked so hard to build.
As most small business owners know, business liability insurance is essential for protection against risks of all kinds. For IT firms, it’s no different. But the nature of IT requires special kinds of tech insurance designed to protect you from scenarios like a security data breach.
E&O Protects IT Firms from Lopsided Expectations and Holes in the Law
E&O insurance is especially useful for technology professionals because many of your clients don’t really understand what you do. A client may explain what they need, and your firm would endeavor to deliver a product based on those requirements. But, for whatever reason, the client might be disappointed with the results and decide to sue you. Without E&O coverage, you could be left with the cost of a huge settlement. That’s not to mention the legal defense costs that you would be responsible for even if you won the court case.
E&O insurance can also protect you from inevitable human errors. Your client may think you’re a magical superman just because you’re in IT, but mistakes do happen, and sometimes the consequences can be costly.
Technology professionals aren’t the only professionals who would benefit from E&O coverage. If you provide a professional service for a living, you too should have Commercial Business Insurance. When you open your property to the general public you are responsible for their well-being. They get injured, even if it is completely their fault, you get to deal with the financial consequences. This is especially important when giving tours or any other activity that brings a large amount of the public to your brewery. One person’s mistake can cause serious harm to every guest you have which is why enough liability insurance for your brewery is so important.
If you have a bar on site, offer samples or serve alcohol in anyway, you are open to potential liability. If a patron at your establishment becomes intoxicated and causes any damage to property, injury to themselves, or injury to someone else you can be help responsible for any related costs. When alcohol is involved, your general liability insurance will not cover you so a liquor liability policy should be picked up to protect your brewery.
To prevent liability associated with intoxicated guests, make sure you properly train your
staff to prevent over-serving or with sampling limit the offerings. Having regulations in place will defintely help you prevent incidents and possibly save you money on insurance but as a safe guard make sure you have liquor liability insurance for your brewery.
Supply chain insurance
To have a profitable business, you rely on your suppliers to provide you with a high quality products and provide them in a timely manner. If your supplier does not come through, that could ruin your productivity, kill profits if nothing is being brewed, and destroy your reputation to the places you supply beer.
Chances are you trust your supplier and they would not purposefully do anything to harm your business. But what if they were shut down for health reasons or a natural disaster put down their opearations? Instead of letting your business go down hill, supply chain insurance for your brewery would allow you to get emergency delieveries from other suppliers or to still provide an income while your production slows down.
We have all had some type of equipment break at home. The furnace, computers, cooking equipment. Equipment can fail on us at the worse possible moments, but having it happen mid work week to your most valuable piece of equipment could be devastating.
If you are a larger operation or have some kind of back up machinery then you may not need insurance for your equipment. If you do not happen to have back ups just lying around, then insuring your brewery equipment might be a very good idea. There will be high repair costs or replacement costs but just as important you will see a loss in revenue due to the suspending part of your operation.
Spoilage, Containment and Product Recall
No matter how diligent you are at producing a quality product, there can be times when situations beyond your control result in a batch of beer unfit for customer consumption. If a contaminated batch is caught before leaving the brewery, you face the cost of wasted materials and production time, disposal and the loss of revenue from not being able to sell the final product. If the batch makes it to store shelves, it can be even more costly.
Not only is there the time and cost of replacing the contaminated product with a sellable one, there is also the need to protect your brand during a recall. A poor product experience can be especially damaging for small brewing operations that rely heavily on word-of-mouth advertising. Be prepared to work not only with distributors but also directly with consumers who have received a less-than-quality product.
Calculate how much the entire process would cost your brewery to reclaim the contaminated batch, replace it and the extra marketing to re-establish your brand from a poor product experience. If your brewery does not have that kind of extra money, then your brewery’s insurance can help.
Putting it all together
The exposures mentioned above are very common amongst all breweries. Realistically there are many more exposures that your brewery faces and will face as you open up more opportunities. Your brewery insurance plan should be assembled based on your needs and your unique exposures. Sitting down with an agent to explore your business operations will allow you to get the exact brewery insurance coverage you need. Whether you are looking to start a brewery and need insurance or have been growing in the industry, it would be a good decision to review your brewery’s insurance needs with an agent.