Commercial Insurance Solutions

Running a business involves substantial investment and risk, making it crucial to protect your venture effectively. A comprehensive business insurance policy is one of the most reliable ways to secure your assets. This type of insurance shields your business from various potential threats, such as legal claims, property damage, theft, vandalism, income loss, and employee-related injuries or illnesses.

Here are some solutions that we may help you with:

  • Businessowners Insurance (BOP)

  • Commercial Property Insurance

  • Commercial Auto Insurance

  • General Liability Insurance

  • Errors and Omissions

  • Umbrella

  • Workers’ Compensation and Employer Liability

  • Cyber and Crime Insurance

  • and more

Types of Commercial Lines Insurance

Commercial General Liability

Protects against claims of bodily injury, property damage, and advertising injury that your business may cause. It's foundational coverage for businesses, covering legal fees, medical payments, and settlements.

Commercial Auto

Provides coverage for vehicles owned or used by a business, covering damages and liabilities arising from accidents. This includes cars, trucks, vans, and other vehicles used for business purposes.

Commercial Umbrella

A commercial umbrella insurance policy provides extra liability coverage beyond your existing policies, protecting your business from significant claims and lawsuits that exceed primary coverage limits. It offers broader protection for claims like bodily injury and property damage, starting at $1 million, and helps meet contractual requirements, safeguarding your business's financial stability.

Professional Liability (Errors&Omissions Insurance)

Protects service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client and damages awarded in such a civil lawsuit. It's crucial for businesses that offer professional advice, services, or consultations.

Workers' Compensation

Covers medical expenses and a portion of lost wages for employees who become injured or ill on the job. In most states, businesses with employees are required to carry this insurance.

Cyber Liability

Offers protection for businesses against the financial losses resulting from cyber incidents, including data breaches, cyber-attacks, and system hacking. With the rise of digital transactions, it's increasingly important for businesses handling sensitive data.

Business Interruption

Provides compensation for lost income and operating expenses if your business must temporarily close due to a covered event, such as a natural disaster. This coverage helps maintain your business's financial stability during unexpected closures.

Directors and Officers (D&O)

Protects the personal assets of corporate directors and officers, and their spouses, in the event they are personally sued by employees, vendors, competitors, investors, customers, or other parties, for actual or alleged wrongful acts in managing a company.

Business Owners

Business Owner's Package Policy (BOP) provides essential protection for your business, safeguarding against claims of bodily injury, property damage, and advertising injury. This foundational coverage includes legal fees, medical payments, and settlements, ensuring your business is well-protected from unexpected liabilities.

Commercial Property

Covers damage to your business property, including buildings, equipment, inventory, and furnishings, due to covered perils like fire, theft, or natural disasters. It's essential for businesses with significant physical assets.

Selecting the appropriate mix of commercial insurance policies involves a thorough assessment of your business's unique risks and requirements. Factors to consider include your industry, the size of your business, the number of employees, and the nature of your operations. Consulting with KentFord Insurance Group agents can provide tailored advice, ensuring you have the right protections in place.

Contact Us

If you have any questions about our services, please fill out the form below, and we will contact you shortly. Alternatively, feel free to give us a call or stop by for a visit – we look forward to seeing you soon!

info@kentfordinsurance.com
(773) 299-8133