Commercial Insurance Policies

Insurance doesn’t have to be complicated. Our relationships with a multitude of top-rated insurance companies gives customers their own power to choose.

Commercial Auto Insurance

Securing the best commercial auto insurance keeps your business moving. With access to multiple top-rated insurance companies, we can find the commercial auto policy that fits your business plan. It’s quick and convenient. Let us do the work for you!

Commercial auto policies include multiple coverage’s:

Comprehensive

Collision

Medical payments

Auto liability

Uninsured or underinsured motorist

Coverage for employees’ cars used for your business

Coverage for leased or borrowed autos for the business

Roadside assistance

Gap coverage

Loss of income

General Liability & Professional

You’ve worked hard to build your business. No matter how carefully you’ve planned, life can throw unforeseen legal perils your way—but you can shield your business and its assets with commercial general liability insurance. A smart business plan for your small or midsized business should include this necessary business insurance.

A We Insure agent can help you safeguard your assets with Commercial General Liability Insurance:

Commercial general liability insurance (CGL) can be sold as a standalone policy or combined with property insurance in a Small Business Package or Business Owner’s Policy (BOP).

CGL offers coverage for your operations and premises, including coverage for property damage, bodily injury and medical expenses.

Coverage can include products and completed operations, personal injury, advertising injury and damage to premises rented to you.

Workers Compensation

An Important Coverage That Protects Your Employees

What is workers’ compensation insurance?

Workers’ compensation insurance, or workers’ comp, provides wage replacement and medical benefits to employees that work for your business. This coverage can often extend to other parties not necessarily intended to be covered.

If your employee is sick or injured on the job, this policy provides coverage for work-related injuries, including medical payments, rehab, lost wages and other expenses. Your employee may receive a long-term benefit should he or she be unable to return to work.

We hope it never happens, but should an employee die due to a work-related accident, this important insurance will pay a benefit to his or her family.

Why is it so important?

Failure to purchase workers’ compensation insurance can result in fines where required by law. Workers’ comp is a no-fault insurance program. As an employer, you pay for workers’ compensation insurance, and your business, in return, is covered for work-related accidents. Rules and regulations may vary, but nearly every state requires some form of workers’ comp.

In addition, your employees count on you should a work-related injury occur. Your employees work hard for you and your business. Protecting them in the event of a work-related injury or illness is in your and their best interests.

Commercial Property

As a business owner, you have specific commercial property insurance needs. The Power of We Insure means discovering the best policies to fit your business and financial needs.

We Insure agents can tailor an insurance package to fit your small or midsized business. Our relationship with a multitude of top-rated insurance companies provides our expert agents to find the right policy features to protect your commercial property. Policies may include the following features:

Coverage for your buildings, including garages and warehouses

Payment for financial losses in the event of hazards such as fire, storms or burst water pipes

Protection for the contents of commercial buildings and your personal property, including inventory, office equipment, furnishings and other business-related items.

Coverage in case of damage to your outdoor sign

Provisions to cover leased workspaces and home-based businesses

Protection of office computers, laptops and other media and electronics

Coverage against loss or damage to the property of others in your possession on your commercial premises or at a job site

Payment for rekeying of locks at your business premises following the theft of keys by a burglar

Equipment breakdown coverage that covers the cost to replace or repair equipment following a loss or damage caused by mechanical breakdown or artificially generated electrical current

Protection of money and securities used in your business if they are stolen, destroyed or lost

Business Interruption

Keep business going as usual with business interruption insurance. We can help you protect your business against lost income, employee salaries and rent expenses.

Business owners often overlook the importance of business interruption insurance. This important coverage acts like a disability insurance for your business and pays for the loss of profit and ongoing expenses in the event of an interruption.

Business Interruption Insurance can:

Be a part of a package or an endorsement to a commercial property policy.

Protect your business in case of a loss, such as damaged business equipment or vandalism, or a hazard, such a fire, hail or windstorm, force closure for a short period, within the policy terms.

Pay for lost net income and continuing expenses such as rent or mortgage, advertising, salaries and taxes.

Some policies may pay your relocation and advertising fees if you relocate temporarily to another location.

Consider what would happen if your business suffered a loss. Learn more about business interruption insurance from your We Insure agent.

Small Business Insurance

See what a Small Business Package can do. Our flexible options allow you to get your business insured specific to each stage of development.

A Small Business Package can:

Cover your business in the event of such things as business interruption, property damage or lawsuits resulting from bodily injury or property damage to others.

Pay legal expenses if liability claims are brought against your business, regardless of who’s at fault.

Provide coverage for personal and advertising injury for certain offenses you or your employees commit in the course of your business, such as slander, libel, disparagement or copyright infringement in your advertisements.

Provide replacement cost coverage for buildings and most business owners’ personal property.

Include other coverage as needed, such as commercial auto, equipment breakdown insurance, crime insurance and flood insurance.

Save you money over purchasing individual business insurance coverage’s.

If you own a small or midsized business, a Small Business Package or Business Owner’s Policy might be right for you. A We Insure agent can help you save on your business insurance and keep you focused on growing your bottom line. Get a quote and a local agent will be there to help.

Commercial Umbrella

A personal umbrella policy is an optional protection that extends the liability coverage provided by an underlying policy, such as homeowners or car insurance. The extra protection helps you pay expenses — if you’re found liable for damages that exceed the limits of your underlying policy.

Questions to Ask Yourself About Umbrella Liability and Your Risk

What are the value of your assets?

What is your profession?

What is your potential loss of future income?

What risks do you think you might face?

What Information is Needed to Get Umbrella Insurance or Excess Liability?

Typical questions asked by the insurance agent when obtaining an umbrella policy may include:

Listing all your properties worldwide and who insures them

Liability limits for the insurance on all your properties

A list of all vehicles or boats and other recreations vehicles you own, as well as their insurance liability limits

Whether you are a member of a board of directors or non-profit

Basically the umbrella liability insurance application is making sure to get a full picture of your assets and how they are insured to make sure that you are getting the right type of coverage and if you do have a claim on the umbrella policy, they already have all the information they need to be able to help you. A assessment of your needs is necessary to properly protect you.

Who Can Benefit from Umbrella Insurance?

People with established assets that they want to protect stand to lose significant amounts of money in a lawsuit.

If you get sued you could lose any assets you have built up, including investments and all of your savings. The wealthy are risk, but so are those who have no assets.

“In a litigious society everything is up for grabs, that includes your savings, your investments, and in absence of assets, potentially your future.”

If I Have No Money or Assets Why Buy Umbrella Liability?

Even though you may be just starting out, or have no established assets, don’t think that a court will not award benefits to the third party if you are held liable for damages. When you have no assets, you may be obligated to pay off the damages awarded with your future earnings! If you are a student studying for your degree, or even if you expect to eventually be promoted and work your way up to a high paying position, your future earnings can be targeted.

Additional Liability above the Homeowners Limits; additional Bodily Injury above the Auto and toys limits and the option to purchase additional Uninsured/Underinsured Motorist coverage above the Auto and toys limits for your client.

TYPICAL PRIMARY PERSONAL UMBRELLA LIMITS ARE: $1,000,000, *$2,000,000, $3,000,000, $4,000,000 AND $5,000,000

* May need underwriting approval for over $2,000,000

TIP: If your insured is a Professional Athlete, Media Personality, Author/ Blogger, Public Official, Entertainer or Senior Executive Officer you will have restrictions on which carriers you can bind coverage with and may require additional underwriting approval. Great news, YES, WE do have a market to be able to write their policy.