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Pet Business Insurance

If your business focuses on pets, consider pet business insurance.

The location of your pet business matters.

A brick-and-mortar establishment will need insurance coverage for the business’s physical location, which could be a storefront, a training facility, a groomer shop, or a kennel. You’ll need to protect the building and its contents, and you’ll want general liability coverage for any accidents that could occur on your property or damages caused by an employee, especially since you’re likely to have high foot traffic. If you’re on the move often, such as a mobile grooming service or a pet trainer who makes house calls, your needs won’t be the same.

Your handling of animals could require specific coverage.

If you allow pets in your establishment, you run the risk of someone’s animal injuring another person or animal, even if they are being handled by their owner. If you take animals into your own care, custody, or control, whether in your location or for transport, you’ll need specific coverage called animal bailee insurance to offer financial protection in the event that something happens to an animal while in your care.

The products you sell could put you at risk.

If you sell food, toys, or accessories for pets, you could be held responsible if an animal is hurt or sickened by one of your products. Groomers could be sued if an animal becomes injured because of a certain shampoo. While the manufacturers will likely bear responsibility, you could be named in a lawsuit, which would be expensive to defend. Having proper liability insurance may help cover those costs, as well as any damages you are responsible for.

What types of businesses need pet business insurance?

If you operate a business that deals with pets, you’ll likely need specialized coverage. This includes groomers, kennels, pet stores, pet trainers, veterinarians, non-profits, and more.

What is animal bailee insurance?

This is coverage for pet businesses that take their customers’ pets into their care, custody, and control and helps cover the costs related to the injury, death, or loss of a pet.

Don’t forget the standard business coverages.

There are some business insurance products you’ll likely need, regardless of your industry. Commercial umbrella insurance offers protection beyond the limits of some of your other policies. Business auto insurance is vital if your business owns a vehicle or your employees use their personal vehicles to perform work duties. A cyber liability insurance policy offers protection against the financial losses associated with data breaches. These are some examples of how your niche business still needs general coverage for your day-to-day operations.

Interested in pet business insurance? Contact us to discuss your business operations and your coverage needs.

Plumbing Contractor Insurance

Help safeguard your business with plumbing contractor insurance.

Plumbing contractor insurance for your unique business.

Many plumbing contractors could benefit by starting out with a business owners insurance policy (BOP). These typically combine different types of insurance. For example, general liability insurance may offer protection if you cause property damage or bodily harm during the course of your work. In addition, commercial property insurance offers protection for your building and its contents. And lastly, business income insurance may help you if you are unable to run your business due to a covered event, such as a fire. Here are some examples of plumbing professionals that may benefit from a plumbing contractor insurance policy:

You’ll need protection beyond the BOP.

For most businesses, the business owners insurance policy (BOP) is often not enough. For example, a BOP won’t protect you in the event you make a mistake that causes harm or damage. In this case, you’ll need professional liability insurance. Also, if an employee were to make disparaging remarks about a customer, you may be held liable for slander. A professional liability insurance policy may also help in cases of personal injury.

Insurance for a business that’s always on the go.

Because you’re likely moving from site to site over the course of the day, business auto insurance is important. Policies exist for the plumbing contractor who has one vehicle or an entire fleet. If employees use their own vehicles for business or if you ever rent a vehicle for a specific job, you’ll need hired and non-owned auto insurance as well. Inland marine insurance offers coverage for tools and equipment that are lost, stolen, or damaged while in transit.

Prepare for the unexpected with insurance.

No one wants an accident to happen, but if it does, you’ll need to be prepared. Environmental insurance designed for a plumbing contractor provides protection in case of hazardous spills or leaks, including fuel, oil, or sewage. Cleanup costs add up fast, as do defense costs and damages, should you be faced with a lawsuit.

Insurance for occurrences that are beyond your control.

Your employees have access to homes and businesses, and temptation may get the better of them. Employee dishonesty insurance protects you from fraud and theft. If your equipment breaks down, it may be expensive to repair or replace. Consider equipment breakdown insurance for these incidents. In addition, because your operation relies on public utilities to be working, business income for off-premises utility services coverage (OPUS) may help recover lost income if you can’t work because the power is out due to a storm, for example.

Don’t ignore the business side of your operation.

A plumbing contractor business also has a need for coverage that most industries can benefit from. Cyber liability offers protection in case of a computer network hack or data breach. Employment practice liability insurance may help cover the costs of attorneys, court fees, and damages associated with lawsuits alleging discrimination or harassment. Workers’ compensation insurance is mandated in most areas, but given the physical nature of your work, you’ll want to be certain you have adequate coverage in case an employee is injured on the job.

Looking for plumbing contractor insurance? Contact us to discuss your needs and options.

Oil and Gas Insurance

Focus on supplying energy. We’ll focus on your oil and gas insurance.

The oil and gas industry can be dangerous.

Your work sites can be hazardous to your property and your employees. That’s why it’s important that you get general liability insurance in case of accidents or catastrophic events like fires or explosions that result in either property damage or injury to your employees. If your employees are injured, you’ll also want to consider workers’ compensation insurance to help cover employees while they are recovering and off the job.

Environmental concerns are at the forefront of the industry.

The oil and gas industry is at an increased risk of liability when it comes to its impact on the environment. While you take measures to prevent any environmental disasters, spills can happen at any time. As a result, your business could be faced with the costs of lawsuits, cleanup, and other expenses that could put your business at financial risk. An environmental insurance policy may help cover you in the case of accidental pollution or contamination.

Your business might need coverage around the world.

Every person in the world needs energy, so it makes sense that your oil and gas business is taking advantage of this global market. However, doing business internationally makes your insurance needs more complex. An international business insurance plan may help fill in the gaps of your domestic coverage. It may also provide protection for the liability of your employees while they are overseas, as well as for non-payment by clients that are difficult to resolve in local courts.

Why does your business need oil and gas insurance?

The oil and gas industry is highly specialized and constantly evolving to meet the growing energy demands of the world. Your job is to help keep it running, but working with oil and gas comes with a number of unique risks. That’s why it’s important to have oil and gas insurance coverage to help protect your business and continue supplying the world with energy.

The business side of the oil and gas industry.

Your oil and gas business is just like any other business, and you’ll need some essential insurance coverage. This includes inland marine and ocean marine insurance to help protect your equipment while in transit over land and sea. Another example includes business auto insurance in case one of your business vehicles is involved in an accident. You’ll also want to look into cyber liability insurance to help protect your business in the event of a hack or data breach.

Interested in learning more about how oil and gas insurance coverage may benefit your business? Contact us to discuss your coverage options.

Off-Campus Student Housing Insurance

Obtain off-campus student housing insurance to offer protection for your investment and the unique risks.

Property and liability insurance for your building.

Off-campus student housing properties come in all shapes and sizes, including single-family dwellings, multi-family dwellings, apartment buildings, garden-style complexes, boarding houses, and more. Regardless, start by obtaining commercial property and general liability insurance policies. Property insurance protects your building and some of its contents, such as appliances and furniture that you provide. Conversely, liability insurance offers protection in the event you are held liable for bodily injury or damage to the property of others.

Protect your investment property like the business it is.

What would happen if you couldn’t rent out one or more of your units? Your investment property is your livelihood and you need to protect yourself in the event you could not collect income from your property. Business interruption insurance may help replace lost revenue if you’re unable to rent a unit due to a covered loss. Additionally, another coverage to consider is equipment breakdown. This helps to cover the cost of the repair or replacement of expensive equipment, such as HVAC systems.

What types of housing may benefit from coverage?

Some examples of off-campus student housing include single-family and multi-family dwellings, apartment buildings and complexes, garden-style complexes, boarding houses, and dormitories.

How much does off-campus student housing insurance cost?

The cost of your policy may depend on a variety of factors, including safety measures, security features, the location of your property, previous claims, and the type of building, to name a few.

Protect yourself against lawsuits.

There’s always a risk you could be accused of discrimination, harassment, or other allegations of wrongdoing. For example, tenants and vendors alike could file suit and regardless of merit, you’ll still need to defend yourself against such claims. Defense costs add up quickly and if you’re held liable for damages, your finances could suffer greatly. Therefore, consider employment practice liability insurance to help cover these costs. An EPLI policy can also offer coverage if you are sued by an employee for discrimination, harassment, improper employment practices, or retaliation.

There are more coverages to consider.

Cyber liability insurance is an important type of coverage that can protect you financially in the event of a data breach. An umbrella policy can provide additional insurance above your standard policy limits, which is beneficial in cases of severe bodily injury or property damage. Depending on where your building is located, you may want to consider earthquake, hurricane, or other natural disaster insurance policies. And regardless of where you are, your building is still at risk for flood, which is typically not included in standard property insurance policies.

Do you own off-campus student housing property? Contact us to discuss your insurance options.

Office Building Insurance

Protect your property and business tenants with office building insurance.

What does office building insurance cover?

The main features of an office building insurance policy include commercial property and general liability insurance. This means that not only does your building have protection from covered damages, but also from lawsuits related to injuries or damages that occur on your property. Additional coverages may be included. For instance, crime insurance may safeguard your building and cover costs associated with crimes like theft and arson. Here are some of the things that may be covered by your office building insurance policy:

Real-world risks associated with office buildings.

Because you own a building where multiple office spaces are rented out to different businesses, there are a variety of risks that can come into play. For example, if a fire caused by one of your tenants caused damage to your office building, your insurance may help cover the costs of repairs or replacement. And if that damage caused you to lose income if that office space was unusable during repairs, your coverage may recover lost income. Also, if someone was injured during the evacuation of the building, you could be held responsible for their injuries. Your general liability insurance would offer coverage for potential lawsuits.

Additional coverages to consider for your office building.

Not all office buildings are the same. The coverage you need can depend on everything from the location, type of building, and other liability exposures. That’s why it’s important to include additional coverage options to offer the right level of protection. Extras include coverage for signage, water and sewer backup, equipment breakdown, and crime insurance. The need for these can vary, but knowing what the most common types of coverage office buildings have is important.

The business side of ownership.

Whether you own just one building or multiple, you are still operating a business. And as with any type of business, you’ll need insurance to match. A business owners insurance policy (BOP) offers the basics by combining property and liability coverage. A commercial umbrella insurance policy adds an extra layer of protection should you surpass your payout limits. And with all of the businesses in your office building, cyber liability insurance is essential when it comes to protecting your business from the impact of a data breach.

Are you interested in office building insurance to protect your property and investment? Contact us to discuss your coverage options.

Nail Salon Insurance

You pamper your clients. We’ll handle your nail salon insurance.

Get nail salon insurance for your unique facility.

Because of the high foot traffic your business sustains, you need to have adequate general liability insurance limits. For example, if a customer trips while getting out of the pedicure chair, they could sustain a serious injury. Basic business insurance may provide general liability coverage, but you may want to consider an umbrella policy to increase the limit.

Professional liability and product liability policies may help.

When you work with the public, there’s always a chance you’ll be sued. If a client gets an infection, has a reaction to a chemical, or otherwise believes a service you provided has harmed them, they may seek damages. Similarly, if a beauty product you sell in your salon causes such harm, you can have a lawsuit filed against you. Professional liability insurance and product liability insurance may help cover defense costs and money awarded to the plaintiff.

What are the most common coverages that nail salons need?

Some of the most important coverage options to have in your nail salon insurance policy include general liability, as well as errors and omissions liability coverage.

How much does insurance cost for nail salons?

The cost of your nail salon insurance policy may depend on a variety of factors, such as the size of your business, how many employees you have, how long you’ve operated your business, and where you are located.

Protect the value of your specialized business equipment.

From manicure and pedicure stations to polish displays and UV sterilizers, your nail salon holds a significant amount of high-value inventory and equipment. If these items are damaged or broken, replacements can be expensive. Your insurance policies should take your equipment needs into account.

Keep your business afloat when you can’t see clients.

Your nail salon business requires visitors to come in for service, and if your location must close temporarily, you may face financial trouble due to lost revenue. Business interruption insurance may help pay for operating expenses, moving to a temporary location, and possibly other expenses as well.

Don’t ignore the basics.

While basic business insurance alone isn’t enough, your nail salon insurance policy does still need these coverages. Workers’ compensation insurance offers coverage if your employees get sick or are injured on the job. If you use a computer system for record-keeping and appointments, cyber liability insurance is a must. Employment practice liability insurance (EPLI) may provide protection against claims of discrimination, harassment, or other improper behavior.

Ready to explore how nail salon insurance may benefit your business? Contact us to learn more.

Non-Profit Insurance

Help secure the future of your organization with non-profit insurance.

Insurance that’s unique to your non-profit.

No two non-profits are the same, and that’s why you need an insurance policy unique to your organization. Because even though your organization’s goal is to help people, you are still running a business. That means your non-profit needs to protect itself against the risks that small business owners face. However, you’ll often find that premium prices for non-profits may be lower than traditional businesses. We’ll help you find a non-profit insurance policy that offers coverage for your organization’s unique needs.

What coverage does your non-profit need?

Because non-profits vary in size and type, there are many coverage options available that may fit the needs of your organization. Some factors to consider in building a policy are whether or not you deal with members of the public at risk of injury, such as elderly or disabled people. You’ll also need to think about any type of transportation you use, particularly if it’s to carry people who aren’t staff. You might even face claims if people are hurt or face costs because of shortcomings in the help or advice you provide.

What organizations need non-profit insurance?

Tax-exempt organizations such as volunteer fire departments, unions, religious groups, recreational clubs, charities, and more may require non-profit insurance.

Why do you need non-profit insurance?

Having non-profit insurance for your organization may help protect you regarding professional mistakes, lawsuits, bankruptcy, and damage to your reputation.

How much does non-profit insurance cost?

The cost of covering your organization may depend on a variety of factors, including your location, the size of your non-profit, how many employees and workers you have, and what type of organization you run.

Policies for your staff and directors.

It’s also particularly important to check how an insurance policy distinguishes between the organization itself and the personal liabilities of any of the directors. Meanwhile, if you employ staff, you’ll also need to look at potential risks such as claims of harassment or discrimination. Coverages such as directors and officers liability, workers’ compensation, and employment practice liability insurance may help your organization in these situations.

Looking for non-profit insurance so your organization can carry on giving back to others? Contact us to go over the specifics of your non-profit and the coverage options available to you.

Motorcycle Dealership Insurance

When you have a lot riding on your business, protect it with motorcycle dealership insurance.

What does motorcycle dealership insurance cover?

While there are subtle differences in the coverage options you’ll need whether you are a franchised or independent motorcycle dealership, there are some coverages to consider either way. Known as dealers open lot or dealers physical damage liability insurance, this coverage offers protection for the motorcycles in your inventory when it comes to collision, loss, theft, and other causes of damage named under your specific policy. Also, consider garage keepers insurance, which provides coverage in the event that a customer’s motorcycle or their vehicle is damaged or stolen while under your control and possession. So, if you take a potential trade-in for a test drive, are working on a customer’s motorcycle in your shop, or are storing a customer’s ride, this coverage comes in handy as a much-needed layer of protection.

What are the risks of running a motorcycle dealership?

First and foremost, because your motorcycle dealership has all or most of your inventory at a single property, there are many risks involved. For example, your inventory could be stolen, vandalized, or damaged by weather, all of which could result in lost revenue or worse if you don’t have coverage. Another example involves the handling of customers’ motorcycles or vehicles. If you are working on a motorcycle in the repair shop at your dealership and an employee damages an expensive part, your business could be held liable. In addition, your employees can take actions that could cost you. For instance, an employee could steal a motorcycle or other property from the premises or use company credit cards for personal purchases. You should consider these risk factors when developing your insurance policy.

Why do you need dealers open lot coverage?

Your business relies on the inventory you have, so protecting it is vital. Also known as dealers physical damage liability insurance, it helps protect your inventory from damages caused by named perils under your specific policy.

Do you need garage keepers insurance?

If your dealership takes your customers’ motorcycles under your care, custody, and control, you need this coverage in the event that their ride is stolen or damaged.

The business side of your motorcycle dealership.

While your business may be in a unique space, the insurance coverages you need to safeguard your business aren’t. For instance, workers’ compensation insurance offers coverage to your employees should they become injured while on the job. Commercial property insurance helps protect the buildings and assets on your property, making it an important coverage to have. And finally, cyber liability insurance is a must if you store customer information on your computer systems, which could turn into a lawsuit if that data is stolen.

Are you ready to roll with motorcycle dealership insurance? Contact us to discuss your coverage options.

Moving Company Insurance

Help protect your business from point A to B with moving company insurance.

Insurance solutions for your moving company.

There are some coverages that are either required or highly beneficial to have for those in the moving industry. General liability insurance helps cover your business for things like property damage or personal injury. Things break and accidents happen all the time with moving companies, so having those incidents covered is essential. Inland marine insurance helps provide essential protection for moving companies. It may also offer coverage for the cost of items damaged while in transit. Workers’ compensation insurance may provide coverage that is integral due to the physical nature of the work moving professionals perform because it helps cover medical bills for employees who are injured while on the job.

What are the risks of operating a moving company?

There are risks associated with both the items you move and your workforce. For example, an employee could trip and fall down a flight of steps, injuring themselves and damaging the items they were carrying. Without coverage, your company could be held liable for medical bills and replacement costs. Another instance involves an employee who steals from a customer. Your company could be exposed to lawsuits based on the actions of one person, and without insurance, you would need to pay for legal expenses and damages awarded. In addition, your employees could scuff up the walls of a customer’s brand new home while carrying furniture or cause even more severe damage, and your insurance could help cover the costs to repair such damage. Also, if you store anyone’s possessions on your property for any period of time, you’ll need to consider coverage for that as well.

The coverage you need depends on your operations.

Every moving company is different, so the insurance solutions you need might not apply to another moving company. It’s important to identify the areas of risk for your business so you can find the insurance coverage that fills in the gaps that leave your business exposed. If your company simply packages and moves goods from a customer’s property to their vehicles, your risks would be different from a moving company that moves, transports, and delivers personal belongings. Moving companies can also range from traditional household goods all the way up to heavy machinery. The type of things you move can change the amount of coverage you may need. Also, your moving company could have an entire fleet of trucks or just have one vehicle, which needs to be covered. Here are some examples of businesses in the moving industry that may benefit from a moving company insurance policy:

The business side of owning a moving company.

While your moving company may offer unique services, it’s still a business and needs to have insurance that most businesses need. For example, a commercial property insurance policy offers protection for covered events should your office or warehouse become damaged. Business interruption insurance is helpful should your company unexpectedly become unable to provide your normal services. Also, if you move things like hazardous materials, environmental insurance is essential to help cover the cost of cleanup and property damage. Cyber liability insurance offers coverage for things like data breaches and hacks, so if you take payments online or store customers’ personal data on your computer systems, this is another must-have.

Are you ready to help protect your business with a moving company insurance policy? Contact us to discuss your coverage options.

Media and Web Design Insurance

You worry about the design. We’ll handle the media and web design insurance.

Creativity is subjective, leaving you open to risk.

Creativity underscores everything for media and web designers. You use your imagination and design skills to produce beautiful and effective logos, websites, graphics, and more to get your clients’ vision across. However, creativity is by default a subjective business. This means you and your client might not see eye to eye on your work. For this reason, including errors and omissions liability insurance (E&O) in your media and web design insurance coverage. It helps to protect your business in the event a client sues you because they feel the final product you presented isn’t up to their expectations. Also, it offers coverage for suits related to your own negligence, like missed production deadlines, broken links, and much more.

Content rules the internet.

Media and web designers produce content. You create graphics, logos, images, and even websites themselves, consistently producing and using content. Sometimes, especially when it comes to images, ownership can be hard to track down and you may end up using something that is already copyrighted. Or, the content you produce could result in a slander or libel suit against you. In order to protect yourself from losses associated with these situations, you’ll need general liability insurance as part of your media and web design insurance plan. Also, general liability insurance helps cover a range of other potential risks like damage to clients’ property and injuries to visitors of your business.

Cover vital equipment with media and web design insurance.

Your business uses computers, data, and media daily, so what happens if they get damaged? Your business could take a hit. Therefore, in order to protect yourself, consider adding electronic data processing insurance (EDP) to your insurance coverage. This may be sold as a separate policy or a part of your larger commercial property insurance. This coverage may also help protect computers and other hardware, data such as software and other programs, and electronic media. However, carriers vary in how they define and cover these various categories. As a result, you should ask questions about what is and isn’t covered by your policy. For example, check to see if your policy covers losses resulting from a virus or hack. EDP plans may also help your business with the loss of income resulting from computer, data, and media damage.

How much does media and web design insurance cost?

The cost of your policy may vary based on a number of factors, including how many employees you have, where you are located, the type of services you offer, and the scale of business you conduct.

Does your media and web design business need insurance?

Web design businesses of all types need insurance, whether you focus on designing blogs, e-commerce websites, business websites, personal websites, or online brochures and catalogs.

The business side of media and web design insurance.

Just like any other business, there are some general coverages you should consider as part of your media and web design insurance policy. Since you work heavily with computers and the internet, it could leave you vulnerable to cyber-attacks. Cyber liability insurance may help protect your business from losses resulting from a hack or data breach. If you operate your business outside of your home, commercial property insurance can help cover the building and most of its contents should they be damaged by a covered event. You can also obtain business owners insurance. This type of policy offers balanced coverage that combines the benefits of general liability insurance and commercial property insurance into one policy.

Are you interested in media and web design insurance? Contact us to discuss your coverage options.

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