Protect Your Business
It would be nice if nothing bad ever happened, but that’s not life.
General Liability
Lawsuits can be very expensive even for large business. Avoid the risk.
Commercial Property
Don't assume unnecessary risk. Protect your assets, equipment and building.
Business Owner
Find the most appropriate, cost effective protection for all of your business needs.
Insurance Wisdom
As a business owner, you understand the importance of protecting your business from the risks you face in your daily operations. For most businesses, liability insurance is vital so that their business remains in business. For those companies that ignore the warning signs – such as unsafe workplaces, employee theft, or even lapses in security — loss of their business assets is a very real possibility. Paying for the losses associated with a liability risk can prove tragic to a business. Relying on a local, trusted insurance agency is critical. Connell Insurance Agency (CIA) can get you started on the path to complete insurance coverage.
Commercial lines of insurance are subsets of an industry category known as casualty and property insurance. Types of insurance that cover people are called personal lines of insurance.Commercial lines, especially property and casualty, cover risk of loss to tangible objects or liability that arise from negligence or an accident. Commercial lines cover businesses, not individuals. In order to protect your business, there are five key insurance coverages your business should secure immediately.
Commercial Lines
When we review your insurance needs, we will design a comprehensive
policy for you that may include...
Providing Coverage To Businesses
Commercial general liability (CGL) is a type of insurance policy that provides coverage to a business for bodily injury, personal injury and property damage caused by the business &; operations, products, or injury that occurs on the business; premises. It protects your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property. Regardless of the type of business you are, there is always the possibility you can be sued, so this protection is of the utmost importance.
Commercial Multiple Peril
Coverage varies by issuing company
Events such as crime, employee theft, injury, machinery failure, and vehicle accidents are covered under commercial multiple peril. This type of general liability insurance can vary by the issuing company and jurisdiction. To learn more about this valuable insurance coverage, contact our experts for more specific information.
Providing Broad Coverages
For business owners who maintain, own, or lease vehicles, commercial auto insurance is not only important, but vital to maintaining coverage for all vehicles and drivers, ultimately protecting the business itself. Whether a business has a fleet of vehicles or just one company car, your business should be covered with a commercial auto insurance policy. Commercial auto insurance provides broad coverage for accidents, damages, and liability. One tiny accident can result in significant injuries and property damage that can endanger your entire business.
Don't Overlook This Coverage
Fire is an often real and scary scenario for many businesses. According to the U.S. Fire Administration, in 2017 alone, there were over 1.3 million fires resulting in $23 billion in losses. Those without fire insurance were left with nothing but ashes. Fire insurance covers a wide range of losses, including smoke damage and property damage, for businesses suffering from fire-related injuries and occurrences.
Although often overlooked, floods happen to people not near a lake, river, or the ocean. Flood insurance is often required for people in flood-prone areas, but even a clogged drain can cause a street to flood, resulting in thousands of dollars of damage to buildings and inventory. A business affected by flooding can lose equipment, inventory, or loss of a physical building, and would have to replace all of the losses out of pocket if they do not have a flood insurance policy in place. It is important to note that regular property insurance normally does not cover flooding. Our expert agents at Connell Insurance Agency (CIA) care about getting you the right coverage for the right price. We are a trusted business partner, helping hundreds of companies obtain the best insurance protection at competitive industry rates.
Avoid unwanted Risk
Covering workers while on the job ensures that if a worker is injured and needs medical care or rehabilitation services, the cost is covered under workers’ compensation insurance. Chances are,your business is required to maintain workers’ compensation coverage by state laws.
Ready to get started?
The insurance professionals at CIA are there for you to provide the commercial insurance program needed to address your specific needs.