Business & Commercial Insurance

What should you know about Business Insurance?

Do you need Liability Insurance for your Small Business?

Why do you need Business Insurance?

Do you need Business Interruption Insurance?

What kind of insurance does your Business Need?

Just a few examples...there are more types than these:

 Property and Casualty:  Property insurance covers the phyaical location of the business (even if it is rented or leased) and its contents from things like fire, theft, flood, etc.  Casualty insurance covers the operation of the business.

Commercial Auto:  As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists.

General Liability:  Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

Workers Compensation:  Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Do I need workers compensation insurance?  Employers have a legal responsibility to their employees to make the workplace safe.   In almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

What types of insurance should a Church purchase?

What can be included in a Church insurance package?

What is typically covered in a Church's insurance?

What qualities should a Church look for in an insurance commpany?

Do Churches have higher insurance premiums when compared to other building types?

What if a Church owns a school or motor vehicles?

 God's church is more than a building.  It’s a community of his children.

A worship center where people unite in a familiar, comfortable environment seeking spiritual guidance joining together to form a familial bond.   Should something happen, a church insurance policy can protect the community physically and emotionally in times of need.

What types of Church insurance are available?  Like other kinds of insurance, there a variety of options to choose from in regards to Church insurance.  Most plans include property and liability company.

• Property coverage:  Protects buildings, signage, fences and contents from damage and theft. Some of the non-standard items that are covered include, but are not limited to, the following:

• Stained glass windows
• Equipment failure, including electronics
• Fire and security alarm upgrades
• Personal property loss worldwide, e.g., items lost on a mission trip

• Liability coverage -  Protects the ministry against claims of property damage or bodily injury that occur on church property or at a church-sponsored event. Enhanced liability coverage includes, but is not limited to, the following:

• Personal injury liability
• Teacher/governing board liability
• Specialized emotional injury liability
• Sexual misconduct liability
• Directors, officers and trustees officers liability
• Employee practices liability

It may be beneficial to add commercial auto insurance and workers compensation to your policy for added protection.

Make the most of your Church insurance -  In addition to your property and liability coverage, you can add a variety of optional coverages so your policy is customized to your church’s needs. These can include the following:

• Lost wage coverage
• Key person replacement coverage
• Computer fraud coverage
• Flood coverage

Contact us today to learn more...