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The Importance of Additional Commercial Liability

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You may have Commercial General Liability Insurance, but is it the right insurance?
Is it enough?

Keeping your business protected is a constant battle in today’s vicious lawsuit happy culture.  Your current Commercial General Liability Insurance probably protects your business when incidents happen as a direct result of your regular operations.  However, there are many situations that may require additional commercial liability policies.  This article will cover three of the additional commercial liability policies most frequently needed by small businesses.

Liquor Liability includes covering damages and injuries in which your business is held legally responsible as a result of serving liquor.…

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Business Insurance: Spring is Here, So Claims are Near

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For many businesses, Spring means the beginning of the season.  It doesn’t matter if you are a construction company, a wedding venue, or a traveling carnival, you need to be protected!  The agents at Insurance Town and Country know that to you, It’s more than a job—It’s your livelihood.  It’s also the livelihood of many of your employees and stakeholders.

We understand that different kinds of businesses need different kinds of business insurance, which is exactly why we offer several customizable policies to fit the specifics of your operation.  Below is a listing of our different kinds of business insurance …

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Business Interruption Insurance: When Disaster Strikes

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You have a great business. You are meeting your customer and clients’ needs and operations are running smoothly. Then disaster strikes. Lighting hits your building and destroys one of your machines or a snowstorm collapses your ceiling. What do you do now? Your Business Owners’ Policy may take care of the damage, but what about all of the income that you lose by not being able to produce?

The answer is Business Interruption Insurance or Business Income Insurance.
These policies protect you from losing the revenue that you would have received if your business had not been forced to stop due …

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Commercial Auto Insurance: The Admiral of Your Fleet

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Like how an Admiral is depended to protect his fleet, Commercial Auto Insurance protects your company’s fleet in the case of an accident.  By insuring your vehicles, products, and employees with Commercial Auto Insurance, you prevent losing your hard-earned revenue due to an auto accident that causes property or vehicle damage, bodily injury, legal costs, and more.  If you have a mobile business, consider taking additional precaution with a custom plan that includes:

Bodily Injury Liability Medical Payments Personal Injury Protection (PIP) Coverage Comprehensive Coverage Collision Coverage GAP Coverage Uninsured and Underinsured Motorist Coverage

Let Insurance Town and Country take the …

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Worker’s Compensation Insurance: Safeguarding Your Employees

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Human Resources are a company’s most important resource. That’s why worker’s compensation insurance is an important part of any business, especially those whose employees conduct physical labor as a part of their job. When choosing a worker’s compensation plan, there are several dimensions to consider.

∙ How many employees do you have?
∙ How much are they paid?
∙ What is the likelihood of an incident?
∙ Have you had prior incidents?
∙ And many more…

Let us at Insurance Town and Country do the hard work for you. We’ll analyze your business and provide you options that will suit your company’s size. …

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What is a BOP Insurance Policy?

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Business Owners Insurance or a Business Owners Policy (BOP) is a customized type of insurance policy that combines Property Insurance, Commercial General Liability Insurance, and Crime Insurance, as well as additional coverage types based on your needs, making it one of the most important decisions a business owner can make. As a small business ourselves, we at Insurance Town and Country understand how important and exciting owning your own business is to our clients, which is why we often recommend a BOP Policy to protect their business against:

Products and Completed Operations Premises Liability Premises Medical Fire Legal Liability Business Income…

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