Business Insurance

Protect your business with commercial insurance.  Select insurance coverage against loss or damage to your property, employees and assets. Our agency offers commercial insurance options designed to cover your business in case of employee injury, accidents and many natural disasters—including coverage for property damage, legal liability, business auto, employee-related risks, loss prevention and more.

I am a business owner like you, so I understands that selecting the coverage you want and obtaining the right type and amount of insurance for your business is important and can help you avoid costly gaps in coverage.

Whether you are just starting out or have been doing this for years, my team and I can help you develop a package that is customized to the needs of your business and budget.

We offer specific coverage for a wide variety of industries, including:

  • Apartment – For Apartment Building Owners
  • Auto Service and Repair – Auto Body Shops, Oil Change Shops, Transmission Shops and more
  • Commercial Real Estate – Office Buildings, Retail Shopping Centers and Industrial Buildings
  • Education & Non-Profit – Museums, Schools, Civic Groups and more
  • Home and Building Service – Plumbers, Electricians, Landscapers, Painters and more
  • Homeowners Association – Coverage for the property location and more
  • Hospitality – Hotels, Motels and Bed & Breakfasts
  • Manufacturing – Product, Food, Commercial Printing, Equipment and more
  • Professional Service –  Medical, Veterinary and other Business Professional Service providers
  • Religious Organization – Explore coverage for Business Property and Business Liability
  • Restaurant – Fine Dining, Quick Service and Casual Restaurants
  • Retail Store – Salons, Dry Cleaners, Boutiques, Convenience Stores and more
  • Wholesale – Specialized coverage like Business Liability, Business Auto insurance and more

 

Business Auto
Owning your own business creates a special set of operational and protection requirements. If your business owns or operates vehicles, Business Auto insurance can provide coverage for your business’ unique needs.

Business-Life Insurance
If something happened to you, what would become of your business? You can help make sure your dream and your business live on by looking into a Business-Life insurance policy.

Crime
Finding your business involved in a lawsuit because someone used a client’s credit card is something you hoped would never happen to your business. As carefully as you screen and train your employees, there’s only so much you can do. Crime coverage can protect your business from acts of dishonesty.

General Liability
If a customer is injured during a visit to your business, you could be legally responsible for a costly medical bill. General Liability insurance includes liability protection and covers personal, contractual, and advertising injury.

Sole Proprietorship Life Insurance
What if something happened to you and your business still had a great deal of debt? With Sole Proprietorship Life Insurance, you can make sure your estate is protected.

Partnership Life Insurance
If your business is a partnership, you want it to continue for the entire time you own your business. If something unforeseen happened to one partner, you need insurance protection to help survive the loss. Partnership Life insurance offers you the coverage you need.

Property
Coming to work early one morning you found that your business property had been vandalized overnight. But because you planned ahead and had Property insurance customized to fit your needs, your business was able to be open and running quickly, practically without missing a beat.

Surety Bond Program
Surety Bond Programs create a contract for fulfilling an obligation, giving businesses the opportunity to grow in ways that would be impossible without such a program.

Small Business Workers Compensation Insurance
On the job injuries can create an employer a lot of hassle, costing them both time and money. Workers Compensation for small businesses provides insurance coverage for these kinds of losses.

When determining what insurance policy is best for your business, there are many variables to consider. The insurance needs of a restaurant, for example, are very different than those of auto repair shop.

Business owners have risks that the general public doesn’t have.  Many business owners only think about general liability coverage, although there’s a number of different types of business insurance that business owners should be aware of.  It’s important that you speak with a trained professional who can help you navigate the types of business insurance.

General Liability:  A standard insurance policy issued to businesses to protect them against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations; and advertising and personal injury (PI) liability.  This is the type of insurance that most landlords, general contractors and additional insureds will require.

Commercial Auto:  Many businesses own vehicles or use vehicles in their day to day operations.  It is important that if your business owns or leases vehicles that they be insured on a commercial auto policy. Personal auto policies often exclude business use vehicles, which could leave you and your company at risk of a large financial loss in the event of an accident.  Even businesses that don’t own vehicles should carry some forms of commercial auto coverage, such as non-owned auto coverage and hired auto coverage.

Professional Liability / E&O Insurance:  This type of insurance is a form of liability insurance that helps protect professional advice- and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit.  Just about any person or business that offers advice or training needs professional liability.

Tenant Legal Liability:  This coverage pays for damage by fire to the rented premises (including garages) the tenant occupies.  If you rent space for your business, a typical policy does not provide coverage for damage accidentally caused by you or an employee to the space you occupy.  Tenants need to have Tenant Legal Liability to rebuild the areas that are in their care custody and control after a loss.

Garage Keepers Liability:  Mechanics, auto body shops and garages often have many vehicles in their care, custody and control (but not owned by the business).  If you, or an employee, is test driving a car and gets into accident, the business must have Garage Keepers Liability for coverage to be available.

Employment Practice Liability Insurance:  Claims arising out of employment (or lack to employ) are protected by Employment Practice Liability Insurance, or EPLI. Employers oftentimes find themselves accused of claims from employees, such as wrongful termination, failure to promote, age discrimination and many other potential claims.  Employers should carry EPLI to help pay costs associated with such claims.

Workers Compensation:  Not only is carrying workers compensation a good idea, it’s the law in Colorado.  Employers who are found without this coverage can face steep penalties from the State of Arizona.

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Mon – Fri:
8:30 AM – 5:30 PM
Sun – Sat: Closed

(602) 429-8242