• Business Property & Flood
• General & Professional Liability
• Business Vehicle
• Workers Compensation
• Surety Bonds & Dishonesty Bonds

When purchasing business insurance it's important to obtain the right amount. Be sure that your company is neither over-insured nor under-insured. To determine the amount of property insurance needed, list all your company’s assets—including property, equipment and inventory.  

HOW CAN I KEEP PREMIUMS DOWN?

Shop around. Prices vary from company to company. This is where your agent comes in handy. Independent agents represent many companies and are in the best position to quote & compare policies.

Work closely with your agent. An agent and insurance company familiar with the risks typically involved with your type of operation can help you decide on a reasonable amount of property and liability insurance. The more the agent understands about your overall business and finances, the better he or she will be able to find competitively priced products for you.

Buy a Package Policy. Businessowners Policy (BOP) usually costs less than individual policies.

Choose a higher deductible. Deductibles represent the amount of money you pay before your insurance policy kicks in. The higher the deductible, the less you will pay for the policy. But be sure you don’t set the deductible so high that it will be a financial burden if you have a loss.

Ask about specific actions you can take to prevent losses. You may be able to reduce your premium for certain coverages through education or disaster preparation.