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Nearly all organizations have auto exposures, even if they do not own any automobiles. Did you know a business can become liable for injury or damage to others that results from autos that it does not own? Do your employees use their own autos in performing job duties? Do you rent vehicles during the course of your business?
Commercial Auto insurance can offer a wide variety of coverage for business’s exposure to owned, non-owned, and hired autos including coverages such as: liability, uninsured/underinsured motorists, physical damage, rental car reimbursement, towing & labor coverage and much more.
All organizations face potential liability exposures. Commercial General Liability insurance covers many common liabilities faced by a business, including its premises, operations, and products.
Commercial Property insurance is essential for almost every business. It covers buildings and business personal property against loss caused by a wide range of perils.
Examples of tangible property that are exposed to loss include but are not limited to: computers, office furniture, fixtures, equipment, supplies, or the building itself.
As a business owner, you and your employees' livelihood rely on the income generated by the business. This income can be lost when property is damaged or destroyed. Business Income insurance covers the reduction in an organization’s income when operations are interrupted by damage to property caused by a covered peril.
Losses can be loss of income or earnings that would have been earned from sales during the time a business is closed due to:
Does your business have property that is used away from your business premises or in transit? If so, you might consider Inland Marine insurance. This type of commercial insurance covers many different classes of property that typically involve an element of transportation. Common examples include: large pieces of contractors' equipment, portable tools, cameras, valuable papers, and records and more.
Crime losses can take a big toll on businesses. Commercial Crime insurance covers money and securities against numerous perils and property other than money and securities against crime perils: such as employee theft, forgery or alteration, theft by outsiders, robbery or safe burglary, computer fraud, funds transfer fraud, and good-faith acceptance of money orders and counterfeit money.
Every year businesses grow in both revenue and exposures. Catastrophe Liability, often referred to as an Umbrella policy, plays an important part in protecting your balance sheet, as well as protecting you from potential gaps in coverage. Not only does an umbrella cover losses above the limits of the primary commercial liability and auto policies, it is also has an unbeatable price-to-value ratio.
What possible injuries could you or your employees sustain arising from employment? Do you know the types of benefits required to be provided under the applicable Workers Compensation law? Workers Compensation insurance is required by law. In most states, it obligates employers to pay, regardless of fault, for medical, disability, rehabilitation and death benefits for the employees' job-related injuries and diseases. Let us take the worry off your mind and help protect your most valuable asset: you and your employees.
Equipment failures are more common than fire losses, yet many businesses have no protection against equipment breakdowns. Your business equipment can be damaged by unique events and causes not normally covered by standard property insurance – electrical short circuits, equipment breakdown, power surges, and more. Equipment Breakdown insurance covers loss due to the accidental breakdown of almost any type of equipment that operates under pressure or that controls, transmits, or uses mechanical or electrical power.
Common examples of equipment include: steam boilers, generators, pumps, compressors, computer controlled equipment, air conditioning and refrigeration equipment, copiers, and telephone systems. Equipment Breakdown insurance covers not only the physical damage to the covered equipment and property but can also cover business income and other expenses.
Professional Liability can cover individuals in various occupations against liability resulting from their rendering or failure to render professional services. As part of your policy, we can provide Professional Liability or Errors & Omissions coverage for the following:
We can also provide liability coverage for:
Employment Practices Liability Insurance (EPLI) protects an employer from employees’ (full-time, part-time, temporary and seasonal), applicants' for employment and recognized volunteers' claims alleging wrongful termination, discrimination or harassment, including sexual harassment. Celina's EPLI also provides third party liability coverage with respect to claims or suits made by customers, vendors or clients who do business with the insured but do not work for the insured. Our EPLI coverage pays for liability damages and defense costs due to these charges, even if the charges are without merit. This isn’t an exposure that businesses should self-insure; given the risk, our EPLI is a tremendous value.
Company laptop missing? Customer’s payment records stolen? Paper files lost? Online systems hacked? Services are available for these scenarios and more that help a business not only respond to data breaches, but more importantly, to prepare for them. Services are also available for you, your employees, and their household family members to deal with any identity-related concern or crisis whenever it may arise. By having Comprehensive Identity Management Services as a part of your policy, you work with experts who are experienced in dealing with these incidents.
We can take you from panic to peace of mind.®
In today’s digital and interconnected world, where virtually every organization relies on data and computer systems, CyberOne Coverage is an essential coverage that provides affordable protection. CyberOne Coverage is a product that responds to a growing coverage need. It protects businesses against two related risks: (1) damage to electronic data and computer systems from a virus or other computer attack and (2) liability that the business may have to others which have suffered damage because of weaknesses in the business’s own computer system security.
Liquor Liability coverage is available to cover liquor liability of insureds in the business of manufacturing, distributing, selling, serving, or furnishing alcoholic beverages. Coverage is available for select classes. If you are not in the alcoholic beverage business, but you occasionally have a company picnic or a holiday office party where alcohol is being served, our liability policy will include coverage for host liquor liability.
Not all coverages, credits, and discounts are available in all states and/or programs.