We offer insurance packages that are tailored for different types of businesses. Whether it is insurance for your building, business property, liability, or company vehicles, we offer products and services to protect your business.
Business insurance is an extremely important component of a successful business. Because of the complexities of most businesses, it is important for the insurance program to match the individual needs of the business entity.
For this reason, it is important for the insurance agent to meet with the business owner to analyze the coverage needed and/or required. Most companies will need a commercial package policy to cover buildings, contents and liability along with commercial automobile and possibly workers compensation. Other possible needs are business interruption, extra expense and inland marine coverage. In addition, errors and omission, employer liability and directors/officers liability might be appropriate for many business entities.
Paige Insurance Agency has several excellent insurance companies from which to choose the best coverage to meet your individual business needs. We also are committed to providing the personalized service necessary to understand your business and provide the necessary insurance program to properly protect your assets.
For a personalized quote contact The Paige Insurance Agency at 603-435-6767
or email us at firstname.lastname@example.org.
Property Insurance may cover two types of property losses:
- Direct losses may be covered when property is lost, stolen, damaged or destroyed.
- Indirect or consequential losses related to direct losses may also be covered.
Business Liability Insurance
Casualty Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.
Policies provide coverage for liability arising out of:
- Premises and Operation
- Fire Damage Liability (damage by fire to premises rented to insured)
- Personal and Advertising Injury
- Medical Payments
- Products/Completed Operations
You may want to consider a Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy and which can help you save time and money on your total insurance program.
This policy can be tailored to provide additional liability protection over your business liability, auto liability and employers liability to provide the extra protection in todays’ suit minded society. We call this “peace of mind” insurance. Coverage can be for $1,000,000 or more depending on your situation.
Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverage and deductibles and about tailoring a Business Auto plan that’s right for you and your business.
Workers’ Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.
Workers’ Compensation provides for the payment of four types of benefits:
- Medical benefits
- Income benefits
- Death benefits
- Rehabilitation benefits
This coverage is highly regulated by each state and every business owner must be mindful of these state mandates as you do business in each state.