Commercial_Lines

Protect Your Business with Premium Insurance and Unmatched Service


The need for a business to have commercial insurance can be a tough concept for some business owners. It can be difficult for them to wrap their minds around it because insurance is considered by many to be an “intangible” necessary evil. However, most business owners understand that insurance is an asset to a business’ long-term goals and financial future.

Insurance products are not tangible, but knowing that you have the right coverage for the right exposure, can bring a business owner or executive a new found peace of mind. Coming to terms with this business principle could be the difference between staying in business or not in the event of a loss.

Whether a business is just starting out or an established long-time community business, Asset & Reputation Protection has the right commercial coverage to meet its needs. We offer top notch risk management guidance, competitive insurance solutions, and unmatched customer service. It is our goal to mitigate our clients’ exposure while simultaneously controlling costs through the identification of risks that could lead to financial ruin if not given the proper attention.

Here are some of the insurance solutions we offer. This list is not inclusive so please ask one of our commercial lines experts about any particular coverage you are interested in for your business. Our insurance solutions include:

  • General Liability – Otherwise known as “slip and fall” insurance, GL protects you and your business against claims of third party injuries while a client or a person is in or around your premises. General Liability also can fund a legal team to defend you in court and covers legal fees, court costs, and other fees associated with a lawsuit. In the event that a judge orders you to pay out an injury settlement, this policy will also cover those costs, but only up to the policy’s liability limits. General liability also covers you against claims of slander, libel, copyright infringement, trademark disputes and more.
  • Workers Compensation – Almost every state in the United States requires a level of worker's compensation insurance that covers the cost of employees’ on the job injuries. Accidents happen and having work comp means being able to pay for employee medical expenses and lost wages.
  • Business Owners Policy (BOP) – The key features of a BOP that sets it apart from other insurance is the fact that it combines property insurance with liability insurance into one easy to manage policy. Most BOP policies also come with business interruption coverage as a standard item. This coverage will help maintain employee payroll, other business overhead and costs associated with the business temporarily having to close its doors for a covered reason.
  • Cyber Insurance - This insurance covers your business in case of data loss or breach of online security. A breach of sensitive data can cause your company to lose the trust and business of loyal customers in addition to costing thousands, if not millions in legal fees and third party compensation.
  • Employment Practices Liability Insurance (EPLI) - This insurance protects your company against lawsuits from past, present or future disgruntled employees claiming that their legal rights as employees were violated, e.g., sexual harassment, discrimination, wrongful termination, whistleblower.
  • Directors & Officers Insurance (D&O) – This form of professional liability insurance protects the directors and officers in your company if they are ever sued over the performance of their duties with respects to the company.
  • Errors & Omissions Insurance (E&O) - This form of professional liability insurance, protects your company if a client sues you for causing them to suffer undue financial loss due to professional advice or service given (errors), or the neglect to give and offer any professional advice or service at all (omissions).
  • Umbrella (Commercial Lines) – This insurance provides coverage, above and beyond your current insurance policy. This unique policy will give extra protection for accidents that are catastrophic in nature. Umbrella insurance is an inexpensive way to get a lot more peace of mind.
  • Contact us today for a no obligation risk analysis or quote!

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