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Business Insurance

Our agency can offer insurance to safeguard every aspect of your business, from your car to your technology investment. Let Susan Moore of Susan Moore & Associates tailor an insurance recommendation for you from the following:

  • Commercial Auto: Your personal auto policy does not cover vehicles used by your business. Commercial automobile coverage insures against damage to vehicles, and injury to others caused by these vehicles.

  • Business Interruption: This insurance protects against losses from business operations being interrupted.

  • Commercial Property: This insurance protects against loss or damage to your business location and its contents. The insured location can be owned, leased, or rented.

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  • Commercial Umbrella: A commercial umbrella policy provides extra coverage against bodily injury and/or property damage during the course of operating your business.

  • Contractor’s Liability: General contractors are usually required to show proof of liability insurance, which protects owners from liability for accidents.

  • Director & Officers Liability: This insurance protects directors and officers of your condo or homeowners association if they are sued during the course of performing their duties.

  • General Liability: General liability insurance protects your business if it is sued for negligence.

  • Liquor Liability: For businesses that sell alcohol, this insurance provides coverage if a patron becomes drunk and causes injury or property damage.

  • Medical Malpractice: This insurance protects healthcare providers against the risks and costs of malpractice based on negligence suits.

  • Product Liability: Product liability insurance protects a business from claims due to the manufacture or sale of products.

  • Professional Liability: This insurance, also called Errors & Omissions Insurance, protects professionals against lawsuits in the course of operation.

  • Property Liability: Property liability insurance provides coverage against claims from property damage.

  • Restaurants: Restaurant insurance is designed to cover the unique risks of this type of business. Covered risks include: spoilage coverage; liquor liability; loss of income from food contamination; breakdown of equipment; and more.

  • Special Event: This insurance provides liability coverage, including liquor liability, as well as protection against negligence claims for holders of special events.

  • Surety Bonds: Basically, a surety bond is a promise by a business owner to fulfill an obligation, such as a contract. There are a wide variety of surety bonds, such as contract bonds (used in the construction industry), or license and permit bonds (required by certain federal, state, or municipal governments as prerequisites to receive a license or permit to operate a business).

  • Technology Insurance: This is a package of liability and property insurance created for the specific needs of a technology business.

  • Wholesalers & Distributors: This insurance is designed for the specific risks wholesalers and distributors face.

  • Workmen’s Compensation: This insurance provides coverage for an employee’s lost wages and medical expenses from injury in the course of employment

  • Employment Practices Liability Insurance: In response to the increasing number of lawsuits filed with the Equal Opportunity Employment Commission, employment practices liability insurance provides protection for claims from past, present, or potential employees for allegations of discrimination, harassment, wrongful termination, and retaliation.

  • Cyber Liability: Any business could be comprised with cyber hacking and theft.  General liability will not cover the loss of business or interruption due to data breach.  The harm to customers if valuable information were to be accessed is another reason for the coverage.  Even in the cloud you are responsible if there is a loss due to hacking.  Your reputation may be a stake.

 

This coverage may be included on some business packages or added as a stand alone to your business insurance.

 

With over 17 years of experience, Susan Moore of Susan Moore & Associates will personally guide you through the complexities of business insurance to make sure you’re protected against the risks inherent in your business. Call us at 847-279-8444.