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Business Insurance

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Business Insurance Provided By Our Agency

Business owners have a lot of responsibilities on their shoulders, and one responsibility they may not be aware of is the risk of loss from business interruption. Without proper coverage, the losses from entrepreneurial risks can be devastating financially and in terms of what you lose out on personally.

Business Owners Insurance

Most businesses will need a business owner’s policy (BOP). A BOP combines business property, business liability and business income insurance in one policy.

General Liability Insurance

General liability insurance protects you and your business from “general” claims involving bodily injuries and property damage.

Commercial Property Insurance

The place you do business says a lot about your success. Maybe your wholesale company acquired a second warehouse.

Commercial Auto Insurance

As a businessowner, you need insurance coverages for the cars, trucks, vans or other vehicles you use in your business as you do for vehicles used for personal travel.

Fleet
Insurance

As a business owner, you need insurance coverage for the cars, trucks, vans, or other vehicles you use in your business as you do for vehicles used for personal travel.

Contractor
Insurance

Client lawsuits are more common than you think; it’s estimated that 43% of small business owners have reported being threatened with or involved in a civil lawsuit.

Surety Bonds

To run your business, you need guarantees for contracts and other financial obligations. A surety bond is a promise to be liable for debt, default, or failure.

Liquor Liability Insurance

Serving alcohol at a special event or owning a business that serves alcohol always involves an element of risk.

Inland Marine Insurance

As opposed to “marine insurance,” which covers products when transported over water, inland marine insurance covers products when transported over land.

Arnold Smith Insurance/ flexible spending account FSA

Understanding Bonds

In this detailed exploration, we'll unravel the intricacies of bonds, demystify the terminologies, and equip you with the knowledge to make informed financial decisions.

Fidelity Bonds

In an ever-evolving landscape where trust and integrity define your reputation, Fidelity Bonds offer a shield against financial loss caused by acts of dishonesty or fraud.

Commercial Flood Insurance

Most business insurance policies don’t cover losses resulting from floods, and if you’re located in a low-risk flood area, you might be tempted to bypass this important coverage.

Arnold Smith Insurance/ directors officers insurance

Cyber Liability Insurance

Your networks and data are the lifeblood of your business. From your brand reputation to an employee and their financial data, cyber attacks are increasing in their frequency.

Crime Insurance

From theft and vandalism to social engineering and employee fraud, your company faces a wide array of potentially costly risks.

Builder's Risk Insurance

Because every construction project is unique, each builder’s risk policy is different.

Employment Practices Liability Insurance

Employment-related risks are among a business’s most potentially damaging exposures, often centering around sexual harassment, etc.

Arnold Smith Insurance/ error omission insurance

Error & Omissions Insurance

Mistakes happen. But even an innocent error on your part could lead to a client bringing a lawsuit against you for negligence.

Directors & Officers
Liability Insurance

In today’s complex operating environment, D&O claims brought by stakeholders such as shareholders, customers, etc present increased risk...

Environmental Insurance

Today, greater risk exposure is coming from environmental liabilities that are likely not insured under standard liability insurance and property programs.

Equipment Breakdown Insurance

Commercial property insurance protects your business against equipment and machinery being damaged by fire, flood, and other external risks.

Key Person Life Insurance

Most maturing small businesses have a core group of key individuals who are absolutely essential to the profitable operation of the company.

Fiduciary Liability Insurance

When choosing which company they want to work for, employees tend to favor companies that offer a wider variety of benefits.

Special Event Insurance

Special event insurance is an insurance policy that helps protect your investment in a specific event, such as a wedding.

Captive Insurance

Captive Insurance helps you take control of your insurance: reduce your costs and tailor coverage to your specific needs.

Commercial Umbrella Insurance

You’ve worked hard for the success of your business — and a single unfortunate event could put its assets at risk if the cost of a covered claim exceeds the limits.

Arnold Smith Insurance/ group health insurance

Workers' Compensation Insurance

Workers’ compensation insurance covers medical costs and lost wages for work-related injuries and illnesses.

Lets know more about Business Insurance? Visit us to understand better

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

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Business Insurance