Contractor Artisan Insurance
Protect your business with the right contractor artisan insurance to protect your business liability, your employees, your tools and equipment, your reputation and your livelihood. Contact us to to get your quote.
General Liability Insurance
General Liability Insurance helps protect you and your business from the potentially devastating costs of liability claims that arise from any business situation. These situations would include if you or your employees represent your client’s business, meet with clients face to face, work on or with other’s property, or use third party locations for business activities. Lastly, you will need general liability coverage if you have clients who require proof of insurance before signing into a contract. General Liability insurance covers you for customer injuries both on and off premises, and damage to other’s property (Bodily Injury/Property Damage). It will protect you from law suit judgements, as well as any medical expenses and legal costs because of a law suit, including the legal team representing you, witness fees, evidence costs, and any judgements or settlements (Personal and Advertising Injury). And lastly, will cover you for payments for injuries to members of the public caused by an accident that takes place on your premises or when they are exposed to your operations (Medical Payments).
Types of General Liability Insurance Coverage
General Liability Insurance includes:
Premises Liability Insurance
Insures your leased or private property from customer accidents on your leased or owned property. When leasing space, the landlord will require insurance to acceptable limits on your leased premises.
Workers' Compensation Insurance
Insures your most valuable assets – your employees – while also protecting your business in the event of on the job accidents.
Business Liability Umbrella
Will protect your business assets if the liability incurred exceeds the limits of your other insurance policies.
Professional Liability Insurance
Insures your business assets if your company is held liable for making recommendations, developing solutions, presenting opinions or providing services.
Cyber and Privacy Liability Insurance
Insures your company’s liability for data breaches where the affected firm’s customers’ personal information is stolen, hacked or exposed by criminal means by gaining access to the firm’s private network. These types of policies will typically cover many of the expenses associated with data breaches such as notification costs, costs to defend claims by state regulators, credit monitoring for those affected, fines, penalties, and losses resulting from identity theft.
Employee Practices Liability Insurance
Insures your business when employees make claims relating to lawsuits involving breach of employment contracts. These breaches may take the form of discrimination, failure to employ or promote, negligent evaluation, sexual harassment, wrongful discipline, wrongful infliction of emotional distress, and wrongful termination.
Other Liability Insurance options, such as Directors and Officers coverage etc., are also available. These additional coverages can be tailored to suit the special needs of your individual company. Please feel free to contact us to review your current policy, or to discuss how a comprehensive plan can be created to meet the needs of your business. No matter the scope of your business or its size, we apply our many years of insurance experience and knowledge of the companies developing and implementing risk management solutions that will meet the demands of your organization for years to come. As one of our existing clients, or one of our potential customers, we can quickly respond to any of your questions, help you with a claim, or provide you with necessary support to resolve matters in a timely fashion. This will provide you with the freedom and peace of mind to focus on your job and your business.
Commercial Property Insurance
Commercial property insurance is important to every company. The coverage helps to protect the building that your business owns or leases, the business personal property owned by the business, including inventory, tools and equipment, exterior signs, fences and landscaping, and furniture. A commercial insurance policy can include coverage for other assets as well, such as computers and loss of income for when operations of the company are interrupted by a covered loss such as a fire, or a hurricane. The most effective commercial property policies are structured to include any number of coverages that protects the specific business interests of the client.
Commercial property insurance protects an insured businesses physical assets against damage or loss from a number of named perils including fire, hurricane, theft, and vandalism. More simply, the coverage is designed to help businesses repair or replace buildings, structures and/or their contents when they are destroyed or damaged due to a covered loss.
Commercial Umbrella Coverage
Many times, Business owners opt to add an additional layer of liability protection to their commercial auto policies by adding a commercial liability umbrella. This umbrella coverage, typically issued in increments of $1 million, will cover those large liability claims that exceed to selected limits of coverage on the underlying commercial auto policy. Let O.E. Wilson quote a commercial liability umbrella to show you the cost of adding an additional level of financial protection for your business and its principals. The process is simple and will only take minutes