Commercial Insurance
Commercial insurance provides invaluable protection to business owners, offering the peace of mind that they are covered if and when the unexpected occurs.
Commercial insurance provides invaluable protection to business owners, offering the peace of mind that they are covered if and when the unexpected occurs.
Building a Commercial Insurance Package for You
We offer a full line of commercial insurance solutions and will meet with you one-on-one to develop a personalized package that is specifically designed to meet your company’s needs. Because we focus exclusively on the insurance needs of businesses, you can be assured you’ll receive the best thinking and expertise available.
Depending on your particular business, there are some types of commercial insurance you don’t need and others that are imperative. As your business grows or changes, your insurance needs may change as well. Each year, we will review your plan with you to ensure it is still the best option or make any necessary changes.
General Liability
It protects your business assets if your business is sued for an action (or inaction) that contributed to the injury or property damage of another.
This includes:
SMC Insurance Agency offers Business Owners package policies, that include both property and liability coverage for premium savings.
Property & Casualty
Property & Casualty insurance protects your business’s physical assets from minor to major damage – whether you work from home or own or lease your workspace. This includes buildings, equipment, furniture, fixtures, inventory, business records, supplies and more.
Business Auto
Business Auto coverage can insure against losses to insured vehicles that are owned, leased, hired, rented or borrowed. With so many limits, deductibles and optional coverage, we will design a package right for you and your business.
Workers Compensation
It provides employees with medical and lost wages for a work-related injury, and protects you against lawsuits filed for employers’ liability. This coverage is required by law. We can provide Workers’ Compensation details and offer ways to control premiums.
Commercial Umbrella
Commercial Umbrella insurance may supplement liability limits of other policies as general liability, auto liability and employers’ liability. This can protect you from accidents when your existing liability insurance policies do not cover all expenses.
Professional Liability
It is a policy that covers certain liability exposures for a specific profession (e.g. doctors, architects, engineers, software designers, etc).
Equipment
This coverage will help to repair or replace your damaged or destroyed equipment after a covered loss.
Bonds
Also known as surety bonds, these agreements guarantee that your business will fulfill the contracts you sign with other businesses.
To help determine whether your current policies meet your needs, get a no-cost insurance review!