Business Owner's Coverage
It takes blood, sweat and tears to run your own business. But as an entrepreneur, you wouldn't have it any other way. Protect your investment and hard work with business insurance. You can stop sweating the what-ifs, and focus on your success. Your Brightway Insurance Agent can help you get the protection you need.
You give it your all, but even the best-laid plans can go awry. From a customer slipping in your store, to a slip-up in employee practices, accidents and misunderstandings can happen. Protect your business with:
- Professional Lliability
- Employment-related Practices Liability
- Premises and Operations Liability
- Products and Completed Operations Liability
- Personal and Advertising Injury
- Fire Damage Legal Liability
- Medical Payments Liability
- Host Liquor Liability
You've made a significant investment of time and money in your business. Protect your premisis and property you've worked so hard to build.
- Building
- Personal Property
- Property of Others
- Systems Protector (Equipment Breakdown)
- Glass
- Property in the Open
- Outdoor Property including fences, trees, shrubs
- Ordinance or Law Coverage
- Spoilage
- Fire and Lightning
- Windstorm and Hail
- Explosion
- Sprinkler Leakage
- Vandalism and Malicious Mischief
- Smoke
Whether visiting customers, clients, vendors or the office-supply store, sometimes business takes you on the road. Protect yourself and your employees travelling by company car or their own vehicles:
- Auto Liability
- Medical Payments
- Bodily Injury Liability
- Property Damage liability
- Comprehensive Coverage
- Collision Coverage
- Uninsured and Underinsured Motorists Coverage
- Coverage for autos you borrow or rent, or hire
- Towing and Labor
You pride yourself on making the best decisions for your business. After all, nobody knows your business like you. But even the best intentions can sometime result in mistakes. We offer these coverages against professional liability:
- Professional Liability
- Errors and Omissions
You trust your employees and you value your customers. But sometimes the unexpected happens. Whether it's from the inside or the outside, business theft can interrupt your cash flow and disrupt operations. Protect your business from:
- Employee dishonesty
- Forgery and alteration
- Premises burglary
- Robbery and Safe burglary
- Computer fraud
- Theft, disappearance, and destruction
- Premises theft and outside robbery
- Liability for guests' property (safe deposit box)
- Liability for guests' property (premises)
Business that rely on transporting goods, information or data, don't let a disruption in transit disrupt your business. Inland Marine coverage gives you the protection you need for these and other situations:
- Property being transported
- Buildings under construction
- Accounts receivable
- Valuable papers and records
- Computer equipment , software and data
- Contractors' equipment
- Installation floater
- Farm machinery
- Livestock
A Business Umbrella policy picks up where your Business Auto Liability, General Liability or other liability coverage stops. It's an inexpensive way to provide an extra measure of protection for a variety of situations.
- Commercial Umbrella
- Fast Food Umbrella
- Farm-Personal Umbrella
- Business Owners' Umbrella
- Special Business Owners' Umbrella
- Business Owners' Personal Umbrella
Next to you, your employees are the backbone of your business. You count on them to help run your business.
And they count on you for their income, even if the unexpected happens on the job. Give them an extra level of comfort and security in their jobs with coverage that helps:
- Pay for an injured employee's medical treatment
- Replace part of lost wages if a job-related injury requires time off work
You're the brains of your business. Your equipment is the brawn. Telephones, computers, electrical systems are the tools you use to get business done. If they're disrupted, so is your business. Keep things flowing with coverage for:
- Damage caused by power surges, mechanical breakdown, motor burnout,
boiler damage and operator error
- Costs to repair or replace the damaged equipment
- Costs associated with the time and labor to repair or replace the equipment
- Other expenses incurred to limit the loss or speed the restoration
- Costs to replace the spoiled stock or materials
You call your business hours. But should an accident or disaster keep you closed, you still have to pay the bills—salaries, rent or mortgage, suppliers, taxes. Help ease the cash crunch if a loss forces you to close
for a short time:
- Pay for lost net income and continuing expenses such as mortgage, advertising, taxes and salaries
- Pay your relocation and advertising fees if you set up shop at a temporary site
