Small Business Insurance

 

Small Business Insurance:

Are you looking for small business insurance? Our Rockingham business owners insurance policy is designed to provide insurance protection for the small business owner. This includes coverage to repair or replace your building and any equipment, inventory, furniture, or fixtures you own. Through external sources, we can also offer coverage for workers compensation, health insurance, and the other needs of your operation.

Building and Business Personal Property Coverage

Buildings and Contents: Helps cover your buildings and/or business contents if they are damaged or destroyed because of a covered loss. You'll receive the full cost to replace your property up to a limit you select when you purchase your policy.

Loss of Income and Extra Expense: Helps reimburse you for your actual loss of earnings for up to 12 months resulting from a covered loss to your property. Extra expenses needed to continue your operations, such as renting temporary shop space, are also covered.

Lock and Key Replacement: Helps pay to repair or replace exterior or interior door locks and keys, up to a specified limit, at your business premises following a theft loss, property damage, or when door keys are stolen.

Seasonal Increase: Provides an automatic increase to your insurance limit of up to 25% for business contents to cover seasonal variations in your inventory or supplies.

Business Liability

Our business owners policy protects your business against financial loss resulting from claims of injury or damage caused to others by you or your employer.

Personal and Advertising Injury: Helps cover you for certain offenses you or your employees commit in the course of your business. For example, libel, slander, disparagement, or copyright infringement in your advertisements are covered.

Defense Costs: Helps pay legal expenses for certain liability claims brought against your business regardless of who's at fault.

Medical Expenses: Helps pay the applicable medical costs if someone is injured and needs medical treatment due to an accident on your premises.

Premises and Operations Liability: Provides coverage for bodily injury and property damage sustained by others at your premises or as a result of your business's operations.

Products and Completed Operations: Helps cover you against injuries or damages to others caused by the products you sell or by the work you perform for your customers.

Fire Legal Liability: Pays for damages to property rented by the policyholder due to fire or explosion if the policyholder is responsible for those damages For renters, $50,000 is automatically provided.

Additional Coverages Available

  • Equipment Breakdown
  • Money and Securities
  • Hired and Non-owned Auto Coverage
  • Additional Property Coverage

Contact us for more information about small business insurance.

Umbrella Insurance:

This extra protection known as an Umbrella Insurance Policy provides liability coverage over and above the limits on your Automobile, Homeowners, and/or your Farmowners policy to protect your financial assets.

 

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