Ever wander why some people are more successful than others?
It takes certain things to become successful, but the most important of all is
KNOWLEDGE, in this case, Knowledge of Insurance
Our philosophy is to listen to you, to understand what your needs and goals are and to work out several insurance options as a way for you to reach those goals.
We don't have a "One-size-fits-all" because it doesn't.
General Liability Policy is the BASIC to protect any Business. It will cover you in case of a lawsuit by a customer or third party and can protect your business property as well.
If you have employees, the law requires that you insure them against any job related injuries and illnesses. This is actually something good for you, since it will take away from you any legal responsibility related to your employees on the job accidents.
Avery business needs some type of transportation for marketing, transporting merchandize, going to service calls or just to travel to your next work related appointment.
Your personal auto policy will not do it. You need a commercial policy
Are you a professional? it took long studying and training to get there, but now just an error and omission claim can throw you back on the hard floor where you started.
Professional insurance would save your day.
And here is another example of our society addiction to lawsuits. Sexual misconduct or arrassment, racial discrimination, unlawful termination are all common news in todays world. Many of them are based on real employer mistakes. You need to be covered.
and of course, most of the time your business risk may be to high for only one policy to cover.. The Umbrella policy will give you an extra level of peace of mind.