Business Insurance

While your day-to-day operations are complex, understanding Business Insurance doesn’t have to be. There are coverage options available to protect just about every aspect of your business from employee injury to natural disasters. Some insurance is required by law and others by business associates, such as lenders and landlords. Obtaining the right type and amount of insurance for your business will help you avoid gaps in coverage where you need it most. A quick review of your current coverage could also save you money.  

Building Coverage You find success in your store, office, factory, and/or other locations. Then a major fire renders your place of business unsafe for you and your employees. Property Insurance will make certain your damaged building is repaired or rebuilt quickly so you avoid losing income and preserve both the equity and your future. Business Personal Property Insurance The loss of any property you own or create for sale affects your bottom line. If a windstorm damages any of these items, Property Insurance can help you replace everything from computers and inventory to equipment and tools. Business Income Insurance provides coverage to keep your business operating until goods and services are being produced again. This insurance not only replaces lost business income while the office and its contents are being rebuilt and replaced, but it can also cover the operating and payroll expenses necessary to keep you and your business on your feet after a loss. You can even add Extended Business Income Coverage, which helps replace lost business income for an extended period of time after your business operations resume.  

• Property Insurance can fund repairs or replacements for damaged physical assets when disasters like vandalism, fire, windstorms, or hail strike.
• Liability Insurance can protect against financial losses resulting from claims of injury or property damage caused by you or your employees and your products or services.
• Workers’ Compensation Insurance can satisfy your employees’ medical needs in the event of an accident or disease and make a quick return to work possible, while removing lawsuit potential by current or former employees.
• Business Auto Insurance can get you on the road again quickly after an accident and ensure your business is protected against losses from injuries to other drivers, passengers and pedestrians for which you and your employees are liable.
• Business Crime Insurance can protect against fraud, theft, forgery or robbery.

• Employment Practices Liability Insurance can cover your business if discrimination, sexual harassment or wrongful termination claims are made by present, former or future employees.
• Life Insurance For Business Owners can help you plan for business succession, survive the loss of a key employee or partner and retain/reward your top people.
• Umbrella Insurance can shield your business from potentially ruinous lawsuits with additional liability coverage.
• Customer Liability Insurance can protect against damage to customers’ goods, including jewelry and clothing.
• Transportation and Cargo Insurance covers goods that are damaged or lost when transported by one of your vehicles or common contract carriers.
• Spoilage Insurance is for perishable goods when they spoil due to a mechanical breakdown or power outage.
• Delivery/Catering/Other Non-Owned Auto Insurance covers an employee involved in an auto accident while driving a personal automobile on company business.

 

• 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 and 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

It means you have already made a sound choice to protect your organization and employees with business insurance. However, your business has specific needs, which may change over time. Reviewing your policy annually makes certain your coverage options continue to fully protect your assets. If in doubt about your current coverage or what insurance is right for your business, contact us for help.  

We understand that you need the right amount of coverage, at the lowest cost, with a reliable carrier! You also need an insurance agent who is your advocate–whenever needed. We are that caring, professional, hardworking team, the one that’s on your side–to help you protect your business.  

Whatever your insurance needs, Trowbridge Insurance will find the right insurance for your home, your business, your family and you. Contact us for more information or a Quick Quote