Insurance That Grows with Your Business
Running a business comes with risks that don’t always fit into standard insurance categories. That’s why I offer a wide range of commercial insurance options designed to address the unique challenges and assets of Pacific Northwest businesses. From niche liability needs to protecting your assets in transit, I’m here to ensure you have the coverage to keep your business secure.
Types of Additional Commercial Insurance We Offer
These specialized commercial insurance options help cover the unique aspects of your business beyond traditional policies:
Construction and Contractor Insurance: Tailored coverage for contractors, including equipment protection, liability, and workers’ compensation.
Cyber Liability Insurance: Essential protection for businesses handling digital data, covering data breaches, cyber-attacks, and other cybersecurity issues.
Nonprofit and Volunteer Liability Insurance: Liability coverage designed for nonprofits, protecting your organization and volunteers from potential claims.
Farm and Ranch Insurance: Comprehensive policies for agricultural properties and operations, covering livestock, equipment, and liability.
Commercial Umbrella Insurance: Extra liability coverage that extends beyond basic policies, providing added security for significant claims.
Liquor Liability Insurance: Protects businesses that serve or sell alcohol from liability related to alcohol-related incidents.
Employment Practices Liability Insurance (EPLI): Covers legal costs related to employee claims, including wrongful termination, discrimination, and harassment.
Customized Commercial Solutions for Every Business
Each business is different, and your insurance should reflect that. I’ll work with you to understand your unique needs, from specialized liability to coverage for leased equipment, to ensure you’re fully protected on all fronts.
What does Cyber Liability Insurance cover for small businesses?
Cyber Liability Insurance covers a range of digital risks, including data breaches, cyber-attacks, ransomware, and loss of customer data. This insurance is crucial for businesses handling sensitive information and protects against legal fees, regulatory fines, and costs related to restoring your digital systems.
Why is Contractors Insurance necessary for independent contractors?
Contractors Insurance protects independent contractors from risks such as property damage, equipment loss, and liability for on-the-job accidents. It’s especially important for trades like construction, plumbing, and electrical work, where the risk of accidents or property damage is higher.
Is Nonprofit Insurance different from standard business insurance?
Yes, Nonprofit Insurance is tailored to cover the unique risks faced by nonprofit organizations, including liability protection for volunteers, directors, and events. This coverage protects against claims related to negligence, property damage, and volunteer injury, ensuring your organization can operate smoothly.
What is Employment Practices Liability Insurance (EPLI), and do I need it?
EPLI covers legal fees and settlements related to employee claims, such as discrimination, harassment, wrongful termination, and other employment issues. It’s especially important for businesses with multiple employees, providing essential protection from costly legal disputes.
Do I need Commercial Vehicle Insurance if I use a personal car for business?
If you regularly use your personal car for business tasks, a standard auto policy may not fully cover business-related incidents. Commercial Vehicle Insurance provides the necessary coverage for liability, accidents, and damages when using vehicles for business purposes, whether you’re delivering goods or driving to job sites.
Can I get Business Interruption Insurance for my small business?
Yes, Business Interruption Insurance is available for businesses of all sizes and is especially beneficial for small businesses. It provides income replacement if you’re forced to close temporarily due to a covered event, helping you cover expenses like payroll, rent, and operating costs until you’re back up and running.
Is Liquor Liability Insurance only necessary for bars and restaurants?
No, Liquor Liability Insurance is also beneficial for any business or event that serves alcohol, including caterers, venues, and private event hosts. It covers liability related to alcohol-induced incidents, providing protection from claims that may arise from serving alcohol to guests or patrons.
How does bundling commercial insurance policies benefit my business?
Bundling commercial insurance policies, such as general liability, commercial auto, and property insurance, often qualifies you for premium discounts. Bundling can also simplify your insurance management, making renewals and payments easier to track. I can help assess the best bundle options for your specific business needs.
