Commercial and Business Coverage

 Your business is one of your greatest assets and income sources.  Our job is to make sure that asset and income are properly protected.  Many agencies do not take the time to uncover your loss exposure and do not explain the possible gaps in coverage that may exist.  Our specialist will work with you to uncover any possible gaps and then develop a comprehensive plan to properly cover these risk factors. 

Property insurance covers your buildings, equipment and business property such as inventory and office equipment. 

Liability insurance is possibly the most important coverage for your business' long term viability. This coverage protects against claims alleging that one's negligence or inappropriate action resulted in bodily injury or property damaged.

Business Income reimburses a business owner for lost profits during the time that a business is closed due to covered loss. 

Workers Compensation pays for medical care and lost wages of employees injured while doing business for your company.  Please review your states Workers Compensation Laws as they vary state to state.
www.wcc.sc.gov

 Automobile Insurance takes care of liability and physical damage for your company's vehicles and trailers.   Automobile accidents happen every day and can be extremely costly.  

 Umbrella polices provide an extra layer of protection above and beyond your base liability. Once the underlying coverage is exhausted then the umbrella policy will respond. These policies are available in the amount of $1,000,000 to $20,000,000.