Business Owners Insurance Policy
Convenient Insurance For Your Business
We are committed to providing you and your employees the best coverage at the right price. We’ll take care of all of your commercial insurance needs.
A typical business insurance policy may include:
- Commercial Property
- Commercial Auto
- General Liability
- Workers Compensation
- Excess Liability (Umbrella)
- Professional Liability
- Business Income
- And More!
Many of these coverages can be combined into a BOP, or business owners insurance policy. A BOP offers a way to bundle many of your business coverages into one simple policy, making it the perfect solution for small businesses.
Specialized Coverage for Your Small Business
You deserve personalized attention from an insurance agent that cares about you, your business, and your community. We offer specific policies for many different types companies including:
- Auto Body and Auto Repair Garages
- Funeral Homes
- Beauty Salons
- Restaurants and Pizza Shops
- Retail Stores
- Experienced Contractors
- Professional Services
- Medical Offices
- And More!
You know how to run your business and we know how to insure it. We give you plenty of options and the freedom to choose a business policy that is best for you. We pride ourselves on being an ally to business owners in our community. We support the “Buy Local” philosophy and even help drive business back to our commercial clients. Insure your small business with us and ask about how to become a Local Partner so we can send business back to you!
We understand how important it is to protect your investment. Whether you have a long established company or you’re starting a small commerce business, trust our experienced agents to find the best policy for your specific business.
Get peace of mind with comprehensive business insurance. Fill out our easy online quote form, give us a call 1 (401) 381-1350. We have a staff full of knowledgeable agents ready to work with you and your business.
Commercial Property Insurance
Let Us Help You Protect Your Business
Commercial property insurance is one of the most important forms of protection a business owner can have. Without the right protection, flood, theft, or fire could change the financial forecast of your business in an instant. We recognize the risks your company can face. With over 70 years of service in the Greater Providence area, we are advocates for local businesses and commercial property owners. We strive to provide the protection you need with unmatched customer service.
Commercial property insurance is designed to cover:
- Your building/office
- Outdoor signage
- Furniture and equipment
- Fencing and landscaping
- Loss of income due to a claim
The purpose of this type of coverage is to protect your business today, so you can ensure its future. As a business owner, you know about risk. You wouldn’t want to jeopardize your financial security by underestimating the importance of comprehensive property coverage.
Business Insurance Made Convenient
We consider ourselves champions for local business. We understand insurance is a priority that needs to fit within your bottom line, which is why we offer a specific bundling package for small businesses called BOP or a Business Owner’s Policy. Businesses can benefit from a wide range of insurance solutions, and a BOP policy combines many of these policies into one convenient package to save you money. In addition to a BOP policy, we also offer customized commercial package policies for larger or more complex business owners. We will consult directly with you to determine your exact insurance needs at a wide range or rates, to ensure a customized business package that is right for you.
Learn more about commercial property insurance or BOP packages by giving our experienced agents a call at 1 (401) 381-1350 today! We are always available to our customers.
Commercial Auto Insurance
Insure Your Business For The Road Ahead
Does your business have a fleet of vehicles or company cars? Whether you have many company vehicles or just one, commercial auto insurance is a must! Accidents happen often and can be incredibly expensive. We recognize the importance of reliability when it comes to your customers, and that is why we provide a range of coverage options for your local business to keep you on the road and available to your clientele.
A typical commercial auto policy may include:
- Bodily Injury Liability
- Property Damage Liability
- Medical Payments
- Uninsured Motorist Coverage
- Collision Coverage
- Comprehensive Coverage
The scope of the coverage you need depends on the type of driving you and your employees do, and how your vehicles are used in your business model. When you choose us for commercial car insurance, we get to know the intricacies of your business so we can better serve you. We can evaluate your risks in order to cover you for the types of damages or liability issues that affect you.
We understand that every business has its own challenges, which is why we work with you to design a policy that meets all of your specific vehicle needs at a cost that pleases your bottom line.
If you are ready to learn more about commercial auto insurance, or the many other business lines we offer, give one of our experienced agents a call at 1 (401) 381-1350 today! To receive a free quote, fill out our online form. We look forward to working with your business and providing you with comprehensive auto insurance.
General Liability Insurance
Protect Your Investment And Your Future With Business Insurance RI
No matter how well you maintain your business, the unexpected is something you can never plan for. Commercial general liability coverage is designed to protect you and your business in the event that a claim is made against you for negligence. If you have a shop or office, your general liability insurance will provide premise liability if someone is hurt at your place of business. If you are manufacturing or selling a product, your general liability insurance will include product liability. A split second incident can have major effects on your company’s financial future which is why you should get the peace of mind you deserve with adequate liability coverage.
A general liability policy typically covers:
- Bodily Injury caused by you, your employees, or your product
- Property Damage caused by you, your employees, or your product
- Advertising Injury caused by you
A Business Owner’s Policy or Commercial Package Policy may include general liability coverage; however, you can never have too much protection. Talk to one of our experienced agents about adding an excess liability, or umbrella policy, to your business package to add an extra layer of liability protection and ensure you are adequately covered.
Specialty Businesses Need Specialty Coverage
We understand that not all businesses are created equal. Your liability needs may be different than the average business. Our agents work to design a business insurance plan that works for you at a cost that meets your bottom line. Whether you own a repair garage and need garage liability, own a medical practice and need malpractice liability, or you provide professional services and need errors and omissions liability, we consult with you on your exact liability insurance needs. You can have confidence knowing your business is covered no matter what the unexpected may bring.
As a small business ourselves, we understand the risks you may face as a business. Your business is your pride and joy; don’t underestimate the importance of general liability coverage.
Give us a call at 1 (401) 381-1350 to learn more about general liability insurance!
Workers Compensation Insurance
Does Your Business Have Adequate Workers Compensation Coverage?
As a business owner, you understand risk, and accidents happen. If you have employees working for you, it is your responsibility to ensure that they have protection in the event that they are injured on the job. Workers Compensation insurance not only protects your employees, but also the financial future of your business.
We understand what types of risks you face as a business, which is why we take the time to consult with you on a variety of business coverage options to ensure the best coverage for your specific industry.
Workers compensation generally covers:
- Loss of Wages
- Medical Expenses
- Rehabilitation Costs
- Death Benefits
- And More!
Apply for a quote below! Or give us a call at 1 (401) 381-1350 to learn more about general liability insurance!
You Build, We Provide The Insurance Coverage
Contractors are building a better tomorrow. We celebrate our experienced contractors and artisans across the state and know the risks you face as a business owner.
We know you worry about:
- And Much More
Let us worry about covering:
- Contractors Liability
- Tools and Equipment Coverage
- Commercial Property
- Business Interruption
- Errors and Omissions
- And More!
We can work with you and our large number of carriers to provide comprehensive coverage at a cost that pleases your bottom line. As an experienced general contractor, remodeling contractor or artisan contractor there may be many other policies and discounts that you could benefit from as well.
Artisan Insurance for Your Artisan Business
We offer specialized coverage for artisan contractors. Whether you are a builder, plumber, electrician, handyman, stonemason, landscaper, carpenter, or commercial contractor, we can provide a policy for you. We recognize that experienced contractors with a history of providing quality workmanship deserve the best insurance rates and coverage. Our contractor’s insurance policies include experience discounts, loss free credits, and bundling discounts if you include your commercial truck or van in your contractor’s insurance package.
We take care of the insurance piece so you can continue to provide services to the people in your community. We pride ourselves on being local business advocates. We will work directly with you to design an affordable policy with the right amount of coverage for your business, as well as consult with you on any questions or concerns you may have.
Ready to get the protection your business deserves? Give our friendly agents a call at 1 (401) 381-1350. If you are looking for a quick and easy quote, feel free to fill out our online form and an agent will get back to you promptly. We look forward to being your trusted choice for business insurance.