Commercial Insurance Policies

Featuring Commercial Insurance policies written by Westfield Insurance Companies (Westfield Center, Ohio), Ohio Mutual Insurance Group (Bucyrus, Ohio), The Hartford Insurance Company Livestock Department (Omaha, Nebraska), and Progressive Insurance Companies (Mayfield Village, Ohio).

Standard Package Policies Special Package Policies Options Bonds Farms
Loss Control and Inspections Certificates of Insurance

STANDARD PACKAGE POLICIES

No two businesses have the same insurance needs. Because of this, we are able to customize a package for you, tailoring each section with different options, limits, and payment plans.

We can find a market for virtually any class and type of business, for-profit and not-for-profit, from new start-ups to established companies.

At the heart of a commercial package policy is the General Liability Section. In short, it covers you for bodily injury and property damage done to others in your normal course of business. Every business of every size needs to have this coverage. If you work out of your home, most likely your homeowner’s policy has a very limited (if any) protection for any business exposure.

Next, we take a look at any locations that you need to insure on the Property Section. This includes offices, warehouses, and other facilities, but also includes the contents of each. We can cover these at different limits with different valuations, all together using a blanket endorsement, or even at an agreed value. There are many deductible and coverage options available.

If you have any vehicles regularly used in your business, we can add them to the Commercial Auto Section. There are options for layups (in case you don’t use a vehicle for a certain part of the year), deductibles, and any special equipment that is permanently installed.

The Inland Marine Section can be used to cover a wide range of equipment, such as computers, tools, and machines, but is also there for special items such as an installation floater which covers building materials at a job site that haven’t been installed yet.

The Umbrella Section extends your limits on both your general and automotive liability, in increments of $1 million. It is required that we also write those sections in order for you to be eligible.

SPECIAL PACKAGE POLICIES

We offer a wide array of packages that are already customized with coverage add-ons and options that are already configured for you.

Although there may be certain eligibility requirements, these throw in valuable coverages at a greatly reduced rate. Many classes of business can be written on what’s known as a Business Owner’s Policy, or BOP. Of the classes that aren’t eligible for a BOP, some have their own package, such as contractors, churches, restaurants, golf courses and country clubs, truckers, municipalities, and high tech businesses.

OPTIONS

Still there are many more options that can be added to your commercial insurance policy, and these are just a few examples.

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BUSINESS INCOME

Can be added to replace lost earnings due to covered claim.

CRIME COVERAGE

Refers to theft of money, by or not by an employee, inside or outside of your business.

PROFESSIONAL COVERAGE

Can be added for medical malpractice, errors & omissions, and directors & officers of your company.

LIQUOR LIABILITY

A must for any establishment with a liquor license.

EMPLOYERS’ LIABILITY

Also known as Stop Gap, Employers’ Liability fills any holes that may be present in your Workers’ Comp policy.

EQUIPMENT BREAKDOWN

Can cover your costs to fix your boilers, machinery, HVAC, and refrigeration equipment in the event of a power surge, for example.

EMPLOYMENT PRACTICES LIABILITY

Can protect you against accusations of wrongful termination.

MOTOR TRUCK CARGO

Covers your products during shipping.

FLOOD AND EARTHQUAKE

Are available to be added to your Property Section.

BONDS

So many times you hear that a company is “bonded and insured.” But, what does that mean for your company? A commercial bond, or surety bond, is a three-party contract where one party (the surety bond issuer) guarantees the performance or obligations of a second party (the principal or business owner) to a third party (the customer or obligee). The surety bond is essentially a promise that if a business owner fails to meet their obligations, the surety bond issuer will make a payment to compensate the affected party.

Commercial bonds are written on a case-by-case basis and in most situations are requested by another entity. Contact us to help you sort out the details and to keep you on the job.

FARMS

Bridging the gap between personal and commercial insurance policies, a farm insurance package is a hybrid form of coverage that is tailored to your individual needs. Like a standard homeowners insurance policy, farm insurance covers your home, possessions, and personal liability. It also includes coverage for your facilities, machinery, and livestock.

We are proud to insure our many local farmers with commercial farm insurance. Some are fully-functioning large-scale farms with many employees. Others have horse boarding operations or just a few acres for their hobby farm. Ohio Mutual’s and Westfield’s farm insurance programs give us the flexibility to write a policy to cover all of the specialty outbuildings, liability exposures, and equipment that make your farm run, and The Hartford’s Livestock Insurance Department can take it the next step with protection for your cattle, horses, and even high-valued breeders.

LOSS CONTROL AND INSPECTIONS

Although no one wants to have a claim, some businesses are simply better protected from having one in the first place.

Our loss control and business inspection services help your business identify areas of risk and levels of exposure to potential claims. This valuable commercial insurance inspection service is about unearthing the risks waiting in the wings that you haven’t considered. Our inspection experts can look at every aspect of your commercial business to make sure you’re protected—even from risks that aren’t on your radar today. Please make sure to ask us about this important value-added insurance inspection service, which is typically offered at no cost to your business.

CERTIFICATES OF INSURANCE

A certificate of insurance (COI) is an official way to prove that your commercial business is insured. This documentation offers a snapshot of your insurance coverage, so all parties involved can understand what is covered in the event something unforeseen occurs.

In some cases, a certificate of insurance can mean the difference between getting the job done or being sent home. Your COI is a message that you care enough to protect your business and customers from risk—that your word is good and you’ll get the job done. Without it, you may not even be considered for a job, particularly in the building and construction realm. When you contact us for a certificate of insurance for your business, we process it quickly and either mail or email it to you at your request. Make sure to ask us about “additional insured” or “waiver of subrogation” clauses.

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