Business Insurance 

Own or Starting a Business? We Can Help Protect it!

Keeping your business properly insured protects your employees, your assets and the income you count on to care for your family and provide for their future. Having your business improperly insured can cause gaps in your liability or property protection that can put you at risk or it can lead to excess cost from coverage that you don't need or want.



A Business Owner's Policy (BOP) is recommended for most small business, as it is often the most affordable way to obtain broad coverage. Combining both property and liability insurance, a Bop will cover your business in the event of such things as property damage,suspended operations, or lawsuits resulting from bodily injury or property damage to others. For those businesses that require only a single line of coverage we can help as well.

Commercial General Liability

Liability insurance is a compulsory form of insurance for those at risk of being sued by third parties for negligence.



The Commercial General liability policy would cover those who offer professional services to the public, those who manufacture products that may be harmful along with Contractors and those who offer employment.


These risks may include bodily injury or property damage caused by direct or indirect actions of the insured.


Many of the public and product liability risks are often covered together under a general liability policy.


A single line of Commercial General liability is often the most useful for small Janitorial services, Building and remodeling Contractors etc... Let us tailor your commercial needs to fit your size budget and needs.

Workers Compensation Insurance

Workers compensation coverage is available as a package to be added to your Commercial policy or as a stand alone policy.

Workers compensation insurance provides benefits to employees for work related injuries. this includes medical care and a portion of lost wages when the employee is unable to work. Workers compensation insurance also provides benefits for the employee's dependents if the employee dies during work-related duty.

 

Commercial Automobile & Truck

A commercial automobile policy provides coverage for legal liability for others' bodily injury or property damage arising out of the use of your business automobiles.

Physical damage coverage protects your vehicles in case of accident or damage caused by fire, hail, and other risks.0.

You can designate coverage for owned vehicles as well as leased, hired and/or borrowed vehicles. More coverage options are also available.

lafrance@alwilliamsagency.com

O: 919-680-2700 | 

F: 919-477-7666